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.

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 36% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding34%Earthquakes23%Tornadoes16%Cold waves9%Strong wind8%Everything else10%

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

34% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

23% of expected damage

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

Tornadoes

16% of expected damage

Well above average · higher than 79% of U.S. places

Cold waves

9% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 2 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Hamilton flood?

FEMA's records show no paid flood insurance claims in Hamilton.

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: Sullivan County.

Disasters that hit Hamilton

Federal disasters declared here

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

Brought FEMA money into HamiltonDeclared for Sullivan County only

Sullivan County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.

Around Hamilton

Hamilton and the towns around it

Very lowLowModerateHighVery high

Gillmostly inland floodingModerate

Turmanmostly inland floodingModerate

Cassmostly inland floodingModerate

Haddonmostly inland floodingModerate

Hamiltonmostly inland floodingLow

Jacksonmostly inland floodingLow

Currymostly 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; 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 $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.