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Natural hazards · Frankfort

Frankfort, IN natural hazards

Most of the natural-hazard damage FEMA expects in Frankfort comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 6 claims here since 1981. 6 federal disasters brought FEMA money into town.

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

How exposed is Frankfort?

45
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Frankfort to be higher than in 45% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding39%Tornadoes17%Cold waves16%Strong wind11%Hail6%Everything else12%
By hazard

What Frankfort faces

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

Inland flooding

39% of expected damage
Above average · higher than 52% of U.S. places
Recorded about once a year in the area

Tornadoes

17% of expected damage
Well above average · higher than 90% of U.S. places

Cold waves

16% of expected damage
Above average · higher than 57% of U.S. places
Recorded about 4 times a year in the area

Strong wind

11% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 5 times a year in the area

Hail

6% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesIce 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 Frankfort flood?

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

6paid claims since 1981
$72Kpaid to owners
1homes flooded more than once
19812026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Frankfort isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clinton County.
Disasters that hit Frankfort

6 federal disasters brought FEMA money here

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

Brought FEMA money into FrankfortDeclared for Clinton County only
2023

Severe Storms, Straight-Line Winds, and Tornadoes

69 households applied for aid $12K aid approved $322K to the City of Frankfort for repairs
2007

Snow

$46K to the City of Frankfort for repairs
2005

Severe Winter Storms and Flooding

21 households applied for aid $18K aid approved $100K to the City of Frankfort for repairs
2004

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $14K aid approved
2003

Severe Storms, Tornadoes, and Flooding

19 households applied for aid $42K aid approved
1999

In-Winter Storm 12/23/98

$30K to the City of Frankfort for repairs
Clinton County has had 14 natural disasters declared since 1953, most often severe storms and floods.
Around Frankfort

Frankfort and the towns around it

Center: Moderate, mostly inland floodingUnion: Moderate, mostly inland floodingJackson: Low, mostly inland floodingWashington: Low, mostly inland floodingMichigan: Moderate, mostly inland floodingOwen: Moderate, mostly inland floodingFrankfort: Moderate, mostly inland flooding FrankfortCenterUnion
Very lowLowModerateHighVery high
Frankfortmostly inland floodingModerate
Centermostly inland floodingModerate
Unionmostly 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. Frankfort covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Frankfort’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Frankfort. 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 Frankfort total about $4.0M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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