Natural hazards · Flora

Flora, IN natural hazards

Most of the natural-hazard damage FEMA expects in Flora comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 1983. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Flora?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Flora to be higher than in 42% of U.S. communities, mostly from inland flooding.

Inland flooding54%Cold waves13%Tornadoes13%Strong wind5%Earthquakes5%Everything else10%

By hazard

What Flora faces

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

Inland flooding

54% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

13% of expected damage

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

Recorded about once every 60 years in the area

Strong wind

5% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

5% of expected damage

Above average · higher than 68% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Flora flood?

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

2paid claims since 1983

$20Kpaid to owners

0homes flooded more than once

19832026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carroll County.

Disasters that hit Flora

7 federal disasters brought FEMA money here

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

Brought FEMA money into FloraDeclared for Carroll County only

2026

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

2 households applied for aid $5K aid approved

2018

Severe Storms and Flooding

8 households applied for aid

2009

Severe Storms, Tornadoes, and Flooding

2 households applied for aid

2007

Snow

$7K to the Town of Flora for repairs

2005

Severe Winter Storms and Flooding

2 households applied for aid $2K aid approved

2003

Severe Storms, Tornadoes, and Flooding

23 households applied for aid $52K aid approved $7K to the Town of Flora for repairs

1999

In-Winter Storm 12/23/98

$4K to the Town of Flora for repairs

Carroll County has had 15 natural disasters declared since 1953, most often winter storms and severe storms.

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. Flora 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 Flora’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Flora. 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.

Flora, IN natural hazards

How exposed is Flora?

What Flora faces

Inland flooding

Cold waves

Tornadoes

Strong wind

Earthquakes

Lower here

Not a risk here

Does Flora flood?

7 federal disasters brought FEMA money here

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

Severe Storms and Flooding

Severe Storms, Tornadoes, and Flooding

Snow

Severe Winter Storms and Flooding

Severe Storms, Tornadoes, and Flooding

In-Winter Storm 12/23/98

How to read this page

Where to, neighbor?

Matches

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