Natural hazards · Guilford

Guilford, IN natural hazards

Most of the natural-hazard damage FEMA expects in Guilford comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 18 claims here since 1979.

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

Expected damage

How exposed is Guilford?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Guilford to be higher than in 49% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes17%Earthquakes9%Cold waves7%Hail5%Everything else7%

By hazard

What Guilford faces

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

Inland flooding

55% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 86% of U.S. places

Earthquakes

9% of expected damage

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

Cold waves

7% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Hail

5% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

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 Guilford flood?

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

18paid claims since 1979

$135Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hendricks County.

Disasters that hit Guilford

Federal disasters declared here

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

Brought FEMA money into GuilfordDeclared for Hendricks County only

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

Around Guilford

Guilford and the towns around it

Very lowLowModerateHighVery high

Guilfordmostly inland floodingModerate

Plainfieldmostly inland floodingModerate

Washingtonmostly inland floodingModerate

Brownmostly inland floodingModerate

Decaturmostly inland floodingLow

Avonmostly inland floodingLow

Libertymostly inland floodingLow

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. Guilford covers 7 census tracts, combined by population.

Money that reached townFlood claims are matched to Guilford’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Guilford. 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 Guilford total about $14.2M 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.