Natural hazards · Fishers

Fishers, IN natural hazards

Most of the natural-hazard damage FEMA expects in Fishers comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 18 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 Fishers?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fishers to be higher than in 41% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes24%Cold waves7%Everything else13%

By hazard

What Fishers faces

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

Inland flooding

56% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

24% of expected damage

Well above average · higher than 95% of U.S. places

Cold waves

7% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Fishers flood?

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

18paid claims since 1978

$361Kpaid to owners

4homes flooded more than once

19782026

Biggest named events

Not a named storm: 1 claim, $700

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hamilton County.

Disasters that hit Fishers

7 federal disasters brought FEMA money here

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

Brought FEMA money into FishersDeclared for Hamilton County only

2026

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

57 households applied for aid $203K aid approved

2014

Severe Winter Storm and Snowstorm

$110K to the City of Fishers for repairs

2008

Severe Storms, Flooding, and Tornadoes

4 households applied for aid $15K aid approved

2007

Snow

$218K to the City of Fishers for repairs

2005

Severe Winter Storms and Flooding

7 households applied for aid $8K aid approved

2003

Severe Storms, Tornadoes, and Flooding

77 households applied for aid $158K aid approved

1999

In-Winter Storm 12/23/98

$40K to the City of Fishers for repairs

Hamilton County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.

Around Fishers

Fishers and the towns around it

Very lowLowModerateHighVery high

Noblesvillemostly inland floodingModerate

Fall Creekmostly inland floodingModerate

Fishersmostly inland floodingModerate

Claymostly inland floodingModerate

Carmelmostly inland floodingModerate

Delawaremostly inland floodingLow

Lawrencemostly inland floodingLow

McCordsvillemostly inland floodingLow

Vernonmostly inland floodingLow

Fortvillemostly 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. Fishers covers 13 census tracts, combined by population.

Money that reached townFlood claims are matched to Fishers’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Fishers. 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 Fishers total about $33.2M 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.