Natural hazards · Finley

Finley, IN natural hazards

Most of the natural-hazard damage FEMA expects in Finley comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2005.

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

Expected damage

How exposed is Finley?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Finley to be higher than in 45% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes35%Strong wind10%Cold waves5%Everything else10%

By hazard

What Finley faces

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

Inland flooding

40% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

35% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 21 years in the area

Strong wind

10% of expected damage

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

Recorded about 5 times a year in the area

Cold waves

5% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once 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 Finley flood?

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

1paid claims since 2005

$21Kpaid to owners

0homes flooded more than once

20052026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Scott County.

Disasters that hit Finley

Federal disasters declared here

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

Brought FEMA money into FinleyDeclared for Scott County only

Scott County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Finley

Finley and the towns around it

Very lowLowModerateHighVery high

Monroemostly inland floodingHigh

Gibsonmostly inland floodingModerate

Franklinmostly inland floodingModerate

Finleymostly inland floodingModerate

Jenningsmostly tornadoesLow

Vernonmostly inland floodingLow

Viennamostly tornadoesLow

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. Finley covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Finley’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Finley. 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 Finley total about $1.7M 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.