Natural hazards · Georgetown

Georgetown, IN natural hazards

Most of the natural-hazard damage FEMA expects in Georgetown comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 1997.

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

Expected damage

How exposed is Georgetown?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Georgetown to be higher than in 55% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes25%Cold waves13%Strong wind8%Everything else8%

By hazard

What Georgetown faces

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

Inland flooding

46% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once a year in the area

Tornadoes

25% of expected damage

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

Recorded about once every 89 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

8% 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 Georgetown flood?

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

12paid claims since 1997

$89Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

Mid-spring storms: 1 claim, $1K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Georgetown 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 Georgetown

Federal disasters declared here

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

Brought FEMA money into GeorgetownDeclared for Floyd County only

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

Around Georgetown

Georgetown and the towns around it

Very lowLowModerateHighVery high

Jacksonmostly inland floodingHigh

Franklinmostly inland floodingHigh

Franklinmostly inland floodingModerate

New Albanymostly inland floodingModerate

Georgetownmostly inland floodingModerate

Lafayettemostly inland floodingModerate

Greenvillemostly 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. Georgetown covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Georgetown’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Georgetown. 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 Georgetown total about $7.4M 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.