Natural hazards · Independence

Independence, IN natural hazards

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

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

Expected damage

How exposed is Independence?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Independence to be higher than in 33% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves23%Tornadoes11%Strong wind7%Everything else12%

By hazard

What Independence faces

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

Inland flooding

48% of expected damage

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

Recorded about 3 times a year 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

11% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once every 8 years in the area

Strong wind

7% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 4 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 Independence flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Warren County.

Disasters that hit Independence

Federal disasters declared here

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

Brought FEMA money into IndependenceDeclared for Warren County only

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

Around Independence

Independence and the towns around it

Very lowLowModerateHighVery high

Independencemostly inland floodingLow

Warrenmostly inland floodingLow

Loganmostly 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. Independence 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 Independence’s own flood-insurance community; household aid to the registrant’s city; repair grants to Independence. 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.