Natural hazards · Elmore

Elmore, IN natural hazards

Most of the natural-hazard damage FEMA expects in Elmore comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1990.

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

Expected damage

How exposed is Elmore?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elmore to be higher than in 39% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding52%Earthquakes17%Tornadoes13%Everything else17%

By hazard

What Elmore faces

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

Inland flooding

52% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

17% of expected damage

Well above average · higher than 80% of U.S. places

Tornadoes

13% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 22 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Elmore flood?

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

3paid claims since 1990

$79Kpaid to owners

0homes flooded more than once

19902026

Biggest named events

Storm: 2 claims, $77K

of all homes
are insured

No community discount. Elmore isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Daviess County.

Disasters that hit Elmore

Federal disasters declared here

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

Brought FEMA money into ElmoreDeclared for Daviess County only

Daviess County has had 16 natural disasters declared since 1953, most often severe storms and floods.

Around Elmore

Elmore and the towns around it

Very lowLowModerateHighVery high

Cassmostly inland floodingModerate

Steelemostly inland floodingModerate

Bogardmostly inland floodingModerate

Vigomostly inland floodingModerate

Elmoremostly inland floodingLow

Madisonmostly 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. Elmore covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Elmore’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Elmore. 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 Elmore total about $2.2M 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.