Natural hazards · Ervin

Ervin, IN natural hazards

Most of the natural-hazard damage FEMA expects in Ervin comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1982.

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

Expected damage

How exposed is Ervin?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ervin to be higher than in 42% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes16%Cold waves10%Strong wind6%Everything else15%

By hazard

What Ervin faces

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

Inland flooding

53% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 20 years in the area

Cold waves

10% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 5 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 Ervin flood?

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

3paid claims since 1982

$37Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Howard County.

Disasters that hit Ervin

Federal disasters declared here

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

Brought FEMA money into ErvinDeclared for Howard County only

Howard County has had 13 natural disasters declared since 1953, most often severe storms and winter storms.

Around Ervin

Ervin and the towns around it

Very lowLowModerateHighVery high

Carrolltonmostly inland floodingHigh

Deer Creekmostly inland floodingModerate

Ervinmostly inland floodingModerate

Monroemostly inland floodingModerate

Burlingtonmostly inland floodingModerate

Claymostly inland floodingVery low

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. Ervin covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ervin’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Ervin. 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 Ervin total about $1.3M 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.