Natural hazards · Harmony

Harmony, IN natural hazards

Most of the natural-hazard damage FEMA expects in Harmony comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harmony?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harmony to be higher than in 29% of U.S. communities, mostly from inland flooding.

Inland flooding41%Tornadoes14%Earthquakes12%Strong wind11%Cold waves9%Everything else14%

By hazard

What Harmony faces

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

Inland flooding

41% of expected damage

Below average · higher than 29% of U.S. places

Recorded about once a year in the area

Tornadoes

14% of expected damage

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

Recorded about once every 25 years in the area

Earthquakes

12% of expected damage

Well above average · higher than 78% of U.S. places

Strong wind

11% of expected damage

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

Recorded about 5 times a year in the area

Cold waves

9% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 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 Harmony flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clay County.

Disasters that hit Harmony

4 federal disasters brought FEMA money here

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

Brought FEMA money into HarmonyDeclared for Clay County only

2025

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

$6K to the Town of Harmony for repairs

2008

Severe Storms, Flooding, and Tornadoes

4 households applied for aid $1K aid approved $9K to the Town of Harmony for repairs

2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $832 aid approved

1999

In-Winter Storm 12/23/98

$1K to the Town of Harmony for repairs

Clay County has had 16 natural disasters declared since 1953, most often severe storms and winter storms.

Around Harmony

Harmony and the towns around it

Very lowLowModerateHighVery high

Knightsvillemostly inland floodingLow

Harmonymostly 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. Harmony covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harmony’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Harmony. 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 Harmony total about $1.4M 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.