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 low for a U.S. community.

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

Expected damage

How exposed is Franklin?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Franklin to be higher than in 37% of U.S. communities, mostly from inland flooding.

Inland flooding41%Tornadoes14%Cold waves11%Strong wind9%Drought9%Earthquakes7%Everything else10%

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

41% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 13 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

9% of expected damage

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

Recorded about 5 times a year in the area

Drought

9% of expected damage

Recorded about 3 times a year in the area

Earthquakes

7% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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?

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

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: Putnam County.

Disasters that hit Franklin

Federal disasters declared here

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

Brought FEMA money into FranklinDeclared for Putnam County only

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

Around Franklin

Franklin and the towns around it

Very lowLowModerateHighVery high

Monroemostly inland floodingHigh

Franklinmostly inland floodingLow

Russellmostly inland floodingLow

Jacksonmostly inland floodingLow

Clarkmostly inland floodingLow

Scottmostly inland floodingVery low

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; 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 $1.3M 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.