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Natural hazards · Kokomo

Kokomo, IN natural hazards

Most of the natural-hazard damage FEMA expects in Kokomo comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 295 claims here since 1980. 6 federal disasters brought FEMA money into town.

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

How exposed is Kokomo?

23
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kokomo to be higher than in 23% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes22%Cold waves12%Strong wind7%Earthquakes7%Everything else10%
By hazard

What Kokomo faces

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

Inland flooding

43% of expected damage
Below average · higher than 26% of U.S. places
Recorded about once a year in the area

Tornadoes

22% of expected damage
Well above average · higher than 89% of U.S. places

Cold waves

12% of expected damage
Above average · higher than 57% of U.S. places
Recorded about 4 times a year in the area

Strong wind

7% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about 5 times a year in the area

Earthquakes

7% of expected damage
Above average · higher than 67% of U.S. places

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 Kokomo flood?

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

295paid claims since 1980
$6.2Mpaid to owners
58homes flooded more than once
19802026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (5) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 10% off flood insurance. Kokomo is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Howard County.

What’s been done with FEMA grants

36flood-prone properties bought out and cleared
9flood-prone homes bought out and moved
1storm safe rooms built
Disasters that hit Kokomo

6 federal disasters brought FEMA money here

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

Brought FEMA money into KokomoDeclared for Howard County only
2023

Severe Storms, Straight-Line Winds, and Tornadoes

74 households applied for aid $57K aid approved
2005

Severe Winter Storms and Flooding

178 households applied for aid $229K aid approved
2004

Severe Storms, Tornadoes, and Flooding

13 households applied for aid $10K aid approved
2003

Severe Storms, Tornadoes, and Flooding

2,063 households applied for aid $5.0M aid approved $27K to the City of Kokomo for repairs
2000

Snow

$29K to the City of Kokomo for repairs
1999

In-Winter Storm 12/23/98

$49K to the City of Kokomo for repairs
Howard County has had 13 natural disasters declared since 1953, most often severe storms and winter storms.
Around Kokomo

Kokomo and the towns around it

Center: Low, mostly inland floodingClay: Very low, mostly inland floodingHoward: Low, mostly inland floodingTaylor: Low, mostly inland floodingHarrison: Moderate, mostly inland floodingMonroe: Moderate, mostly inland floodingErvin: Moderate, mostly inland floodingJackson: Moderate, mostly inland floodingKokomo: Low, mostly inland flooding KokomoCenterClay
Very lowLowModerateHighVery high
Kokomomostly 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. Kokomo covers 15 census tracts, combined by population.
Money that reached townFlood claims are matched to Kokomo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Kokomo. 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 Kokomo total about $15.2M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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