Natural hazards · Democrat

Democrat, IN natural hazards

Most of the natural-hazard damage FEMA expects in Democrat comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Democrat?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Democrat to be higher than in 42% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves16%Tornadoes13%Strong wind6%Drought6%Everything else11%

By hazard

What Democrat faces

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

Inland flooding

49% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once a year in the area

Cold waves

16% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 22 years in the area

Strong wind

6% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 5 times a year in the area

Drought

6% of expected damage

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Democrat flood?

FEMA's records show no paid flood insurance claims in Democrat.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Democrat 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 Democrat

Federal disasters declared here

None of the disasters declared for Carroll County shows FEMA aid or repair money reaching Democrat itself in FEMA’s records.

Brought FEMA money into DemocratDeclared for Carroll County only

Carroll County has had 15 natural disasters declared since 1953, most often winter storms and severe storms.

Around Democrat

Democrat and the towns around it

Very lowLowModerateHighVery high

Claymostly inland floodingModerate

Madisonmostly inland floodingModerate

Democratmostly inland floodingModerate

Monroemostly inland floodingModerate

Burlingtonmostly inland floodingModerate

Owenmostly inland floodingModerate

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. Democrat is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Democrat’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Democrat. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.