Natural hazards · Hamilton

Hamilton, IN natural hazards

Most of the natural-hazard damage FEMA expects in Hamilton comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2011.

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

Expected damage

How exposed is Hamilton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamilton to be higher than in 33% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding62%Tornadoes21%Everything else17%

By hazard

What Hamilton faces

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

Inland flooding

62% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 90 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Hamilton flood?

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

3paid claims since 2011

$35Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

2026-08-Indiana-Flooding: 1 claim, $11K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Delaware County.

Disasters that hit Hamilton

Federal disasters declared here

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

Brought FEMA money into HamiltonDeclared for Delaware County only

Delaware County has had 15 natural disasters declared since 1953, most often severe storms and winter storms.

Around Hamilton

Hamilton and the towns around it

Very lowLowModerateHighVery high

Delawaremostly inland floodingModerate

Unionmostly inland floodingModerate

Munciemostly inland floodingModerate

Centermostly inland floodingModerate

Harrisonmostly inland floodingLow

Libertymostly inland floodingLow

Hamiltonmostly 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. Hamilton covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Hamilton’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Hamilton. 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 Hamilton total about $1.9M 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.