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 high for a U.S. community. Flood insurance has paid 4 claims here since 1997. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Georgetown?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Georgetown to be higher than in 65% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes24%Cold waves14%Strong wind8%Everything else7%

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

47% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once a year in the area

Tornadoes

24% of expected damage

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

Recorded about once every 64 years in the area

Cold waves

14% 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.

4paid claims since 1997

$8Kpaid to owners

2homes flooded more than once

19972026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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.

What’s been done with FEMA grants

1storm safe rooms built

1flood-prone properties bought out and cleared

Disasters that hit Georgetown

7 federal disasters brought FEMA money here

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

Brought FEMA money into GeorgetownDeclared for Floyd County only

2018

Severe Storms and Flooding

7 households applied for aid $871 aid approved

2011

Severe Storms, Tornadoes, Straight-Line Winds, and

$21K to the Town of Georgetown for repairs

2009

Severe Winter Storm

$44K to the Town of Georgetown for repairs

2008

Severe Storms and Flooding

147 households applied for aid $6K aid approved $29K to the Town of Georgetown for repairs

2005

Severe Winter Storms and Flooding

1 household applied for aid

2004

Snow

$8K to the Town of Georgetown for repairs

2004

Severe Storms, Tornadoes, and Flooding

87 households applied for aid $58K aid approved $58K to the Town of Georgetown for repairs

Floyd 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. Georgetown 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 Georgetown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Georgetown. 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.

Georgetown, IN natural hazards

How exposed is Georgetown?

What Georgetown faces

Inland flooding

Tornadoes

Cold waves

Strong wind

Lower here

Not a risk here

Does Georgetown flood?

Homes that flooded again and again

What’s been done with FEMA grants

7 federal disasters brought FEMA money here

Severe Storms and Flooding

Severe Storms, Tornadoes, Straight-Line Winds, and

Severe Winter Storm

Severe Storms and Flooding

Severe Winter Storms and Flooding

Snow

Severe Storms, Tornadoes, and Flooding

How to read this page

Where to, neighbor?

Matches

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