Natural hazards · Flat Rock

Flat Rock, IN natural hazards

Most of the natural-hazard damage FEMA expects in Flat Rock comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Flat Rock?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Flat Rock to be higher than in 58% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding57%Tornadoes23%Everything else20%

By hazard

What Flat Rock faces

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

Inland flooding

57% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once a year in the area

Tornadoes

23% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 12 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Flat Rock flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Shelby County.

Disasters that hit Flat Rock

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Flat Rock itself: aid to households, or repair grants to Flat Rock.

Brought FEMA money into Flat RockDeclared for Shelby County only

2008

Severe Storms, Flooding, and Tornadoes

100 households applied for aid $608K aid approved

2005

Severe Winter Storms and Flooding

16 households applied for aid $72K aid approved

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

Shelby County has had 13 natural disasters declared since 1953, most often severe storms and floods.

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. Flat Rock 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 Flat Rock’s own flood-insurance community; household aid to the registrant’s city; repair grants to Flat Rock. 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.