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 moderate for a U.S. community. Flood insurance has paid 2 claims here since 2017.

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

Expected damage

How exposed is Franklin?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Franklin to be higher than in 52% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding61%Tornadoes22%Strong wind6%Cold waves5%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

61% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

22% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 26 years in the area

Strong wind

6% of expected damage

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

Recorded about 3 times a year in the area

Cold waves

5% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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.

2paid claims since 2017

$6Kpaid to owners

0homes flooded more than once

20172026

Biggest named events

2026-08-Indiana-Flooding: 1 claim, $2K

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: Wayne County.

Disasters that hit Franklin

Federal disasters declared here

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

Brought FEMA money into FranklinDeclared for Wayne County only

Wayne County has had 13 natural disasters declared since 1953, most often severe storms and winter storms.

Around Franklin

Franklin and the towns around it

Very lowLowModerateHighVery high

Franklinmostly inland floodingModerate

New Gardenmostly inland floodingModerate

Jeffersonmostly inland floodingModerate

Waynemostly inland floodingModerate

Greensforkmostly inland floodingLow

Harrisonmostly 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. 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 $1.2M 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.