Elwood, IN natural hazards
Most of the natural-hazard damage FEMA expects in Elwood comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 31 claims here since 1980. 7 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Elwood?
FEMA expects yearly storm and flood damage to homes and buildings in Elwood to be higher than in 45% of U.S. communities, mostly from inland flooding.
What Elwood faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Tornadoes
Cold waves
Earthquakes
Lower here
Not a risk here
Does Elwood flood?
Every paid claim on a federal flood insurance policy in Elwood, from FEMA’s records.
Homes that flooded again and again
■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times
are insured
are insured
7 federal disasters brought FEMA money here
Disasters the President declared that paid out in Elwood itself: aid to households, or repair grants to the City of Elwood.
Severe Storms, Straight-Line Winds, Tornadoes, and Flooding
Severe Storms, Flooding, and Tornadoes
Snow
Severe Winter Storms and Flooding
Snow
Severe Storms, Tornadoes, and Flooding
In-Winter Storm 12/23/98
How to read this page
FEMA’s expected losses across Elwood total about $2.4M 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.