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.

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 53% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding60%Tornadoes20%Earthquakes6%Everything else14%

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

60% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 20 years in the area

Earthquakes

6% of expected damage

Above average · higher than 73% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 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: Bartholomew County.

What’s been done with FEMA grants

5flood-prone properties bought out and cleared

Disasters that hit Flat Rock

Federal disasters declared here

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

Brought FEMA money into Flat RockDeclared for Bartholomew County only

Bartholomew County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Flat Rock

Flat Rock and the towns around it

Very lowLowModerateHighVery high

Claymostly inland floodingHigh

Washingtonmostly inland floodingModerate

Columbusmostly inland floodingModerate

Germanmostly inland floodingModerate

Flat Rockmostly inland floodingModerate

Haw Creekmostly inland floodingModerate

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 the Township of 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.