Natural hazards · Hart

Hart, IN natural hazards

Most of the natural-hazard damage FEMA expects in Hart comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Hart?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hart to be higher than in 45% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding38%Earthquakes27%Tornadoes13%Strong wind8%Heat waves5%Everything else8%

By hazard

What Hart faces

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

Inland flooding

38% of expected damage

Below average · higher than 32% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

27% of expected damage

Well above average · higher than 83% of U.S. places

Tornadoes

13% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 20 years in the area

Strong wind

8% of expected damage

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

Recorded about 4 times a year in the area

Heat waves

5% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 8 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold 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 Hart flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Warrick County.

Disasters that hit Hart

Federal disasters declared here

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

Brought FEMA money into HartDeclared for Warrick County only

Warrick County has had 18 natural disasters declared since 1953, most often severe storms and floods.

Around Hart

Hart and the towns around it

Very lowLowModerateHighVery high

Lanemostly inland floodingHigh

Owenmostly inland floodingHigh

Campbellmostly inland floodingHigh

Boonmostly inland floodingHigh

Monroemostly inland floodingModerate

Hartmostly inland floodingModerate

Greermostly inland floodingModerate

Lynnvillemostly inland floodingModerate

Bartonmostly earthquakesModerate

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. Hart covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hart’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hart. 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 Hart 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.