Natural hazards · Floyd

Floyd, IN natural hazards

Most of the natural-hazard damage FEMA expects in Floyd 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 Floyd?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Floyd to be higher than in 50% of U.S. communities, mostly from inland flooding.

Inland flooding49%Tornadoes15%Cold waves11%Strong wind10%Everything else16%

By hazard

What Floyd faces

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

Inland flooding

49% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

15% of expected damage

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

Recorded about once every 29 years in the area

Cold waves

11% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 5 times 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 Floyd flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Putnam County.

Disasters that hit Floyd

Federal disasters declared here

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

Brought FEMA money into FloydDeclared for Putnam County only

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

Around Floyd

Floyd and the towns around it

Very lowLowModerateHighVery high

Monroemostly inland floodingHigh

Marionmostly inland floodingModerate

Floydmostly inland floodingModerate

Marionmostly inland floodingModerate

Jacksonmostly 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. Floyd covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Floyd’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Floyd. 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 Floyd total about $2.8M 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.