Natural hazards · Elnora

Elnora, IN natural hazards

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

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

Expected damage

How exposed is Elnora?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elnora 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 Elnora 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 Elnora flood?

Every paid claim on a federal flood insurance policy in Elnora, 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. Elnora 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 Elnora

3 federal disasters brought FEMA money here

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

Brought FEMA money into ElnoraDeclared for Daviess County only

2009

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $1K aid approved

2008

Severe Storms, Flooding, and Tornadoes

60 households applied for aid $223K aid approved $19K to the Town of Elnora for repairs

2005

Severe Winter Storms and Flooding

2 households applied for aid $3K aid approved $7K to the Town of Elnora for repairs

Daviess County has had 16 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. Elnora 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 Elnora’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Elnora. 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.