Natural hazards · Harrison

Harrison, IN natural hazards

Most of the natural-hazard damage FEMA expects in Harrison comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 1983.

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

Expected damage

How exposed is Harrison?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harrison to be higher than in 40% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes18%Cold waves10%Strong wind6%Everything else12%

By hazard

What Harrison faces

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

Inland flooding

55% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 89% of U.S. places

Cold waves

10% of expected damage

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

Recorded about 4 times a year in the area

Strong wind

6% 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 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 Harrison flood?

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

12paid claims since 1983

$1.2Mpaid to owners

0homes flooded more than once

19832026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Howard County.

Disasters that hit Harrison

Federal disasters declared here

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

Brought FEMA money into HarrisonDeclared for Howard County only

Howard County has had 13 natural disasters declared since 1953, most often severe storms and winter storms.

Around Harrison

Harrison and the towns around it

Very lowLowModerateHighVery high

Monroemostly inland floodingModerate

Harrisonmostly inland floodingModerate

Prairiemostly inland floodingLow

Honey Creekmostly inland floodingLow

Taylormostly inland floodingLow

Centermostly inland floodingLow

Claymostly inland floodingVery low

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. Harrison covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harrison’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Harrison. 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 Harrison total about $1.6M 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.