Natural hazards · Freetown

Freetown, IN natural hazards

Most of the natural-hazard damage FEMA expects in Freetown comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 2008. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Freetown?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Freetown to be higher than in 57% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding59%Tornadoes21%Strong wind7%Everything else13%

By hazard

What Freetown faces

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

Inland flooding

59% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

21% of expected damage

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

Recorded about once every 7 years in the area

Strong wind

7% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Freetown flood?

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

12paid claims since 2008

$255Kpaid to owners

0homes flooded more than once

20082026

Biggest named events

Storm: 4 claims, $59K
Mid-spring storms: 1 claim, $26K
Central U.S. April Flooding: 1 claim, $32K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

Disasters that hit Freetown

2 federal disasters brought FEMA money here

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

Brought FEMA money into FreetownDeclared for Jackson County only

2008

Severe Storms and Flooding

2 households applied for aid

2008

Severe Storms, Flooding, and Tornadoes

4 households applied for aid $22K aid approved

Jackson County has had 15 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. Freetown covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Freetown’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Freetown. 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 Freetown total about $3.0M 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.