Natural hazards · Halbert

Halbert, IN natural hazards

Most of the natural-hazard damage FEMA expects in Halbert comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 10 claims here since 1990.

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

Expected damage

How exposed is Halbert?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Halbert to be higher than in 72% of U.S. communities, mostly from inland flooding.

Inland flooding68%Tornadoes11%Strong wind7%Everything else14%

By hazard

What Halbert faces

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

Inland flooding

68% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 10 years in the area

Strong wind

7% of expected damage

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

Recorded about 5 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 Halbert flood?

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

10paid claims since 1990

$208Kpaid to owners

0homes flooded more than once

19902026

Biggest named events

Central U.S. April Flooding: 2 claims, $76K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Martin County.

Disasters that hit Halbert

Federal disasters declared here

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

Brought FEMA money into HalbertDeclared for Martin County only

Martin County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Halbert

Halbert and the towns around it

Very lowLowModerateHighVery high

Halbertmostly inland floodingHigh

Centermostly inland floodingHigh

Shoalsmostly inland floodingHigh

Lost Rivermostly inland floodingHigh

Mitcheltreemostly inland floodingHigh

Spice Valleymostly inland floodingHigh

Northwestmostly 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. Halbert covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Halbert’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Halbert. 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 Halbert total about $2.5M 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.