Natural hazards · Franklin

Franklin, IN natural hazards

Most of the natural-hazard damage FEMA expects in Franklin comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 44 claims here since 1991.

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

Expected damage

How exposed is Franklin?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Franklin to be higher than in 64% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding49%Tornadoes23%Cold waves13%Strong wind7%Everything else7%

By hazard

What Franklin 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

Well above average · higher than 80% of U.S. places

Recorded about once a year in the area

Tornadoes

23% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 43 years in the area

Cold waves

13% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once a year in the area

Strong wind

7% of expected damage

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

Recorded about 6 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 Franklin flood?

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

44paid claims since 1991

$1.9Mpaid to owners

0homes flooded more than once

19912026

Biggest named events

Central U.S. April Flooding: 10 claims, $652K
Mid-spring storms: 9 claims, $197K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Floyd County.

Disasters that hit Franklin

Federal disasters declared here

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

Brought FEMA money into FranklinDeclared for Floyd County only

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

Around Franklin

Franklin and the towns around it

Very lowLowModerateHighVery high

Franklinmostly inland floodingHigh

Poseymostly inland floodingHigh

New Albanymostly inland floodingModerate

Franklinmostly inland floodingModerate

Georgetownmostly 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. Franklin covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Franklin’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Franklin. 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 Franklin total about $964K 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.