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Natural hazards · Etna-Troy

Etna-Troy, IN natural hazards

Most of the natural-hazard damage FEMA expects in Etna-Troy comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 8 claims here since 2003.

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

How exposed is Etna-Troy?

15
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Etna-Troy to be higher than in 15% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding44%Tornadoes22%Strong wind10%Heat waves6%Cold waves6%Drought6%Everything else6%
By hazard

What Etna-Troy faces

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

Inland flooding

44% of expected damage
Well below average · higher than 21% of U.S. places
Recorded about once every 2 years in the area

Tornadoes

22% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about once every 26 years in the area

Strong wind

10% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about 5 times a year in the area

Heat waves

6% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 5 times a year in the area

Cold waves

6% of expected damage
Below average · higher than 42% of U.S. places
Recorded about 4 times a year in the area

Drought

6% of expected damage
Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Etna-Troy flood?

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

8paid claims since 2003
$113Kpaid to owners
0homes flooded more than once
20032026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Etna-Troy isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Whitley County.
Disasters that hit Etna-Troy

Federal disasters declared here

None of the disasters declared for Whitley County shows FEMA aid or repair money reaching Etna-Troy itself in FEMA’s records.

Brought FEMA money into Etna-TroyDeclared for Whitley County only
Whitley County has had 13 natural disasters declared since 1953, most often severe storms and winter storms.
Around Etna-Troy

Etna-Troy and the towns around it

Richland: Low, mostly inland floodingWashington: Low, mostly inland floodingNoble: Low, mostly inland floodingThorncreek: Very low, mostly inland floodingWashington: Very low, mostly inland floodingCleveland: Low, mostly inland floodingColumbia: Low, mostly inland floodingMonroe: Low, mostly inland floodingSparta: Low, mostly inland floodingTippecanoe: Low, mostly inland floodingGreen: Low, mostly inland floodingYork: Low, mostly inland floodingTri-Lakes: Very low, mostly inland floodingSmith: Very low, mostly inland floodingColumbia City: Very low, mostly inland floodingWayne: Very low, mostly inland floodingEtna-Troy: Very low, mostly inland flooding Etna-TroyRichlandWashingtonNobleThorncreekWashington
Very lowLowModerateHighVery high
Richlandmostly inland floodingLow
Noblemostly inland floodingLow
Washingtonmostly inland floodingLow
Thorncreekmostly inland floodingVery low
Etna-Troymostly inland floodingVery low
Washingtonmostly 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. Etna-Troy covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Etna-Troy’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Etna-Troy. 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 Etna-Troy 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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