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Natural hazards · Dunkirk

Dunkirk, IN natural hazards

Most of the natural-hazard damage FEMA expects in Dunkirk comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2014. 5 federal disasters brought FEMA money into town.

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

How exposed is Dunkirk?

32
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dunkirk to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes27%Strong wind9%Earthquakes7%Everything else9%
By hazard

What Dunkirk faces

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

Inland flooding

48% of expected damage
Below average · higher than 34% of U.S. places
Recorded about once every 2 years in the area

Tornadoes

27% of expected damage
Well above average · higher than 96% of U.S. places

Strong wind

9% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 5 times a year in the area

Earthquakes

7% of expected damage
Above average · higher than 69% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Dunkirk flood?

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

1paid claims since 2014
$45Kpaid to owners
0homes flooded more than once
20142026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Dunkirk isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jay County.
Disasters that hit Dunkirk

5 federal disasters brought FEMA money here

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

Brought FEMA money into DunkirkDeclared for Jay County only
2007

Snow

$7K to the City of Dunkirk for repairs
2005

Severe Winter Storms and Flooding

244 households applied for aid $164K aid approved $77K to the City of Dunkirk for repairs
2004

Snow

$2K to the City of Dunkirk for repairs
2003

Severe Storms, Tornadoes, and Flooding

13 households applied for aid $27K aid approved $3K to the City of Dunkirk for repairs
1999

In-Winter Storm 12/23/98

$3K to the City of Dunkirk for repairs
Jay County has had 13 natural disasters declared since 1953, most often winter storms and severe storms.
Around Dunkirk

Dunkirk and the towns around it

Niles: Moderate, mostly inland floodingJackson: Moderate, mostly inland floodingRichland: Low, mostly inland floodingDelaware: Moderate, mostly inland floodingUnion: Moderate, mostly inland floodingHarrison: Low, mostly inland floodingLicking: Moderate, mostly inland floodingKnox: Moderate, mostly inland floodingJefferson: Low, mostly inland floodingGreen: High, mostly inland floodingDunkirk: Low, mostly inland flooding DunkirkNilesJacksonRichland
Very lowLowModerateHighVery high
Nilesmostly inland floodingModerate
Jacksonmostly inland floodingModerate
Dunkirkmostly inland floodingLow
Richlandmostly inland floodingLow
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. Dunkirk covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Dunkirk’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Dunkirk. 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 Dunkirk total about $732K 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
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