Natural hazards · Graham

Graham, IN natural hazards

Most of the natural-hazard damage FEMA expects in Graham comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Graham?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Graham to be higher than in 56% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes30%Strong wind11%Everything else13%

By hazard

What Graham 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 68% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

30% of expected damage

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

Recorded about once every 12 years in the area

Strong wind

11% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 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 Graham flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Graham

Federal disasters declared here

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

Brought FEMA money into GrahamDeclared for Jefferson County only

Jefferson County has had 23 natural disasters declared since 1953, most often severe storms and floods.

Around Graham

Graham and the towns around it

Very lowLowModerateHighVery high

Montgomerymostly inland floodingHigh

Marionmostly inland floodingHigh

Grahammostly inland floodingModerate

Smyrnamostly inland floodingModerate

Lancastermostly inland floodingModerate

Republicanmostly inland floodingModerate

Lexingtonmostly inland floodingModerate

Johnsonmostly inland floodingModerate

Blochermostly 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. Graham 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 Graham’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Graham. 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.