Natural hazards · Eugene

Eugene, IN natural hazards

Most of the natural-hazard damage FEMA expects in Eugene comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Eugene?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eugene to be higher than in 50% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves18%Tornadoes11%Earthquakes6%Strong wind5%Everything else12%

By hazard

What Eugene faces

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

Inland flooding

47% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 4 times a year in the area

Cold waves

18% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 15 years in the area

Earthquakes

6% of expected damage

Well above average · higher than 75% of U.S. places

Strong wind

5% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Eugene flood?

FEMA's records show no paid flood insurance claims in Eugene.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Vermillion County.

Disasters that hit Eugene

Federal disasters declared here

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

Brought FEMA money into EugeneDeclared for Vermillion County only

Vermillion County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Eugene

Eugene and the towns around it

Very lowLowModerateHighVery high

Eugenemostly inland floodingModerate

Highlandmostly inland floodingModerate

Libertymostly inland floodingLow

Vermillionmostly inland floodingLow

Fultonmostly inland floodingLow

McKendreemostly 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. Eugene 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 Eugene’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Eugene. 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.