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Natural hazards · Evansville

Evansville, IN natural hazards

Most of the natural-hazard damage FEMA expects in Evansville comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 408 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

How exposed is Evansville?

68
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Evansville to be higher than in 68% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes38%Inland flooding33%Tornadoes13%Cold waves5%Everything else11%
By hazard

What Evansville faces

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

Earthquakes

38% of expected damage
Well above average · higher than 86% of U.S. places

Inland flooding

33% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

13% of expected damage
Well above average · higher than 79% of U.S. places

Cold waves

5% of expected damage
Below average · higher than 37% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Evansville flood?

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

408paid claims since 1978
$3.5Mpaid to owners
31homes flooded more than once
19782026

Biggest named events

  • Mid-spring storms: 24 claims, $390K
  • March storm: 5 claims, $89K
  • Central U.S. April Flooding: 2 claims, $42K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (4) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 10% off flood insurance. Evansville is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Vanderburgh County.

What’s been done with FEMA grants

26flood-prone properties bought out and cleared
20storm safe rooms built
9buildings retrofitted against wind
Disasters that hit Evansville

7 federal disasters brought FEMA money here

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

Brought FEMA money into EvansvilleDeclared for Vanderburgh County only
2018

Severe Storms and Flooding

42 households applied for aid $96K aid approved
2008

Severe Storms and Flooding

23 households applied for aid $2K aid approved
2006

Severe Storms and Flooding

863 households applied for aid $1.8M aid approved
2005

Tornado and Severe Storms

315 households applied for aid $456K aid approved
2005

Severe Winter Storms and Flooding

58 households applied for aid $76K aid approved
2004

Severe Storms, Tornadoes, and Flooding

94 households applied for aid $23K aid approved
2003

Severe Storms, Tornadoes, and Flooding

33 households applied for aid $61K aid approved
Vanderburgh County has had 18 natural disasters declared since 1953, most often severe storms and floods.
Around Evansville

Evansville and the towns around it

Pigeon: High, mostly earthquakesMelody Hill: High, mostly earthquakesHighland: High, mostly inland floodingKnight: High, mostly earthquakesCenter: High, mostly inland floodingOhio: High, mostly inland floodingPerry: High, mostly inland floodingCampbell: High, mostly inland floodingScott: High, mostly inland floodingDarmstadt: Moderate, mostly inland floodingAnderson: High, mostly inland floodingNewburgh: High, mostly inland floodingBoon: High, mostly inland floodingEvansville: High, mostly earthquakes EvansvillePigeonMelody HillHighlandKnightCenterOhio
Very lowLowModerateHighVery high
Centermostly inland floodingHigh
Evansvillemostly earthquakesHigh
Highlandmostly inland floodingHigh
Ohiomostly inland floodingHigh
Knightmostly earthquakesHigh
Pigeonmostly earthquakesHigh
Melody Hillmostly earthquakesHigh
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. Evansville covers 44 census tracts, combined by population.
Money that reached townFlood claims are matched to Evansville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Evansville. 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 Evansville total about $66.9M 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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