Natural hazards · Hanover

Hanover, IN natural hazards

Most of the natural-hazard damage FEMA expects in Hanover comes from tornadoes, and overall the risk is low for a U.S. community. Flood insurance has paid 96 claims here since 1978.

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

Expected damage

How exposed is Hanover?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hanover to be higher than in 25% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes40%Inland flooding30%Strong wind15%Cold waves5%Everything else10%

By hazard

What Hanover faces

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

Tornadoes

40% of expected damage

Well above average · higher than 96% of U.S. places

Inland flooding

30% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 3 times a year in the area

Strong wind

15% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 times a year in the area

Cold waves

5% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Hanover flood?

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

96paid claims since 1978

$2.2Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Central U.S. April Flooding: 23 claims, $867K
Not a named storm: 6 claims, $5K
Mid-spring storms: 6 claims, $65K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Hanover

Federal disasters declared here

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

Brought FEMA money into HanoverDeclared for Jefferson County only

Jefferson County has had 23 natural disasters declared since 1953, most often severe storms and floods.

Around Hanover

Hanover and the towns around it

Very lowLowModerateHighVery high

Madisonmostly inland floodingVery high

Madisonmostly inland floodingModerate

Saludamostly inland floodingModerate

Republicanmostly inland floodingModerate

Hanovermostly tornadoesLow

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. Hanover covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hanover’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Hanover. 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 Hanover total about $1.2M 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.