Natural hazards · Delphi

Delphi, IN natural hazards

Most of the natural-hazard damage FEMA expects in Delphi comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 24 claims here since 1981. 9 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Delphi?

64
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Delphi to be higher than in 64% of U.S. communities, mostly from inland flooding.

Inland flooding68%Cold waves11%Tornadoes10%Everything else12%
By hazard

What Delphi faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

68% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once a year in the area

Cold waves

11% of expected damage
Above average · higher than 57% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

10% of expected damage
Well above average · higher than 82% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Delphi flood?

Every paid claim on a federal flood insurance policy in Delphi, from FEMA’s records.

24paid claims since 1981
$971Kpaid to owners
3homes flooded more than once
19812026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Delphi isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Carroll County.
Disasters that hit Delphi

9 federal disasters brought FEMA money here

Disasters the President declared that paid out in Delphi itself: aid to households, or repair grants to the City of Delphi.

Brought FEMA money into DelphiDeclared for Carroll County only
2026

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

3 households applied for aid
2018

Severe Storms and Flooding

29 households applied for aid $4K aid approved
2009

Severe Storms, Tornadoes, and Flooding

11 households applied for aid $14K aid approved
2008

Severe Storms and Flooding

59 households applied for aid $429K aid approved $12K to the City of Delphi for repairs
2007

Snow

$5K to the City of Delphi for repairs
2005

Severe Winter Storms and Flooding

2 households applied for aid $1K aid approved
2003

Severe Storms, Tornadoes, and Flooding

68 households applied for aid $385K aid approved $133K to the City of Delphi for repairs
2000

Snow

$4K to the City of Delphi for repairs
1999

In-Winter Storm 12/23/98

$9K to the City of Delphi for repairs
Carroll County has had 15 natural disasters declared since 1953, most often winter storms and severe storms.
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Delphi covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Delphi’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Delphi. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Delphi total about $2.0M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01