Natural hazards · Fredericksburg

Fredericksburg, IN natural hazards

Most of the natural-hazard damage FEMA expects in Fredericksburg comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fredericksburg?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fredericksburg to be higher than in 72% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes25%Strong wind8%Cold waves6%Everything else11%

By hazard

What Fredericksburg faces

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

Inland flooding

50% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once a year in the area

Tornadoes

25% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 23 years in the area

Strong wind

8% of expected damage

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

Recorded about 6 times a year in the area

Cold waves

6% of expected damage

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

Recorded about once 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 Fredericksburg flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Washington County.

What’s been done with FEMA grants

27flood-prone properties bought out and cleared

Disasters that hit Fredericksburg

4 federal disasters brought FEMA money here

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

Brought FEMA money into FredericksburgDeclared for Washington County only

2012

Severe Storms, Straight-Line Winds, and Tornadoes

11 households applied for aid $9K aid approved

2008

Severe Storms and Flooding

31 households applied for aid $14K aid approved

2005

Severe Winter Storms and Flooding

2 households applied for aid $2K aid approved

2004

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $26K aid approved

Washington County has had 18 natural disasters declared since 1953, most often severe storms and floods.

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. Fredericksburg is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Fredericksburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to Fredericksburg. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.