Natural hazards · Hamlet

Hamlet, IN natural hazards

Most of the natural-hazard damage FEMA expects in Hamlet comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1991. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hamlet?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamlet to be higher than in 47% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding46%Cold waves23%Tornadoes18%Strong wind7%Everything else6%

By hazard

What Hamlet faces

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

Inland flooding

46% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 9 years in the area

Cold waves

23% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

18% of expected damage

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

Recorded about once every 23 years in the area

Strong wind

7% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Hamlet flood?

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

1paid claims since 1991

$4Kpaid to owners

0homes flooded more than once

19912026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Starke County.

Disasters that hit Hamlet

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Hamlet itself: aid to households, or repair grants to the Town of Hamlet.

Brought FEMA money into HamletDeclared for Starke County only

2026

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

9 households applied for aid $5K aid approved

2018

Severe Storms and Flooding

1 household applied for aid

2008

Severe Storms and Flooding

2 households applied for aid $624 aid approved

2007

Snow

$2K to the Town of Hamlet for repairs

1999

In-Winter Storm 12/23/98

$3K to the Town of Hamlet for repairs

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

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. Hamlet is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Hamlet’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hamlet. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.

Hamlet, IN natural hazards

How exposed is Hamlet?

What Hamlet faces

Inland flooding

Cold waves

Tornadoes

Strong wind

Lower here

Not a risk here

Does Hamlet flood?

5 federal disasters brought FEMA money here

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

Severe Storms and Flooding

Severe Storms and Flooding

Snow

In-Winter Storm 12/23/98

How to read this page

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