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Natural hazards · Elizabeth

Elizabeth, IN natural hazards

Most of the natural-hazard damage FEMA expects in Elizabeth comes from inland flooding, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Elizabeth?

61
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elizabeth to be higher than in 61% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes25%Cold waves8%Strong wind6%Everything else10%
By hazard

What Elizabeth faces

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

Inland flooding

51% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

25% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about once every 16 years in the area

Cold waves

8% of expected damage
Below average · higher than 48% of U.S. places
Recorded about once a year in the area

Strong wind

6% of expected damage
Above average · higher than 71% of U.S. places
Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Elizabeth flood?

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

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

3 federal disasters brought FEMA money here

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

Brought FEMA money into ElizabethDeclared for Harrison County only
2018

Severe Storms and Flooding

28 households applied for aid $97K aid approved
2008

Severe Storms and Flooding

71 households applied for aid $10K aid approved
2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $5K aid approved
Harrison County has had 19 natural disasters declared since 1953, most often severe storms and floods.
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. Elizabeth 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 Elizabeth’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Elizabeth. 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.

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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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