Natural hazards · Grass

Grass, IN natural hazards

Most of the natural-hazard damage FEMA expects in Grass comes from earthquakes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1997.

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

Expected damage

How exposed is Grass?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Grass to be higher than in 54% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes34%Inland flooding33%Tornadoes11%Strong wind7%Everything else14%

By hazard

What Grass faces

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

Earthquakes

34% of expected damage

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

Inland flooding

33% of expected damage

Below average · higher than 28% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 18 years in the area

Strong wind

7% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

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 Grass flood?

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

3paid claims since 1997

$27Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

March storm: 1 claim, $17K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Spencer County.

Disasters that hit Grass

Federal disasters declared here

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

Brought FEMA money into GrassDeclared for Spencer County only

Spencer County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Grass

Grass and the towns around it

Very lowLowModerateHighVery high

Ohiomostly inland floodingVery high

Skeltonmostly inland floodingHigh

Lucemostly inland floodingHigh

Hammondmostly inland floodingHigh

Boonmostly inland floodingHigh

Grassmostly earthquakesModerate

Jacksonmostly earthquakesModerate

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. Grass covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Grass’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Grass. 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 Grass total about $2.2M 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.