Natural hazards · Guthrie

Guthrie, IN natural hazards

Most of the natural-hazard damage FEMA expects in Guthrie comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2025.

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

Expected damage

How exposed is Guthrie?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Guthrie to be higher than in 48% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes18%Strong wind8%Earthquakes5%Everything else13%

By hazard

What Guthrie faces

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

Inland flooding

56% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

18% of expected damage

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

Recorded about once every 16 years in the area

Strong wind

8% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

5% of expected damage

Above average · higher than 72% of U.S. places

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 Guthrie flood?

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

1paid claims since 2025

$79Kpaid to owners

0homes flooded more than once

20252026

Biggest named events

Central U.S. April Flooding: 1 claim, $79K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lawrence County.

Disasters that hit Guthrie

Federal disasters declared here

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

Brought FEMA money into GuthrieDeclared for Lawrence County only

Lawrence County has had 19 natural disasters declared since 1953, most often severe storms and floods.

Around Guthrie

Guthrie and the towns around it

Very lowLowModerateHighVery high

Pleasant Runmostly inland floodingModerate

Guthriemostly inland floodingModerate

Bonomostly inland floodingModerate

Brownmostly inland floodingModerate

Marionmostly inland floodingModerate

Shawswickmostly 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. Guthrie covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Guthrie’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Guthrie. 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 Guthrie total about $1.4M 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.