Natural hazards · La Paz

La Paz, IN natural hazards

Most of the natural-hazard damage FEMA expects in La Paz comes from inland flooding, and overall the risk is very low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is La Paz?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in La Paz to be higher than in 19% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding36%Cold waves27%Tornadoes17%Lightning6%Everything else13%

By hazard

What La Paz faces

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

Inland flooding

36% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once every 3 years in the area

Cold waves

27% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

17% of expected damage

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

Recorded about once every 42 years in the area

Lightning

6% of expected damage

Above average · higher than 61% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 La Paz flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Marshall County.

Disasters that hit La Paz

2 federal disasters brought FEMA money here

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

Brought FEMA money into La PazDeclared for Marshall County only

2018

Severe Storms and Flooding

1 household applied for aid $3K aid approved

1999

In-Winter Storm 12/23/98

$961 to the Town of La Paz for repairs

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

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. La Paz 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 La Paz’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of La Paz. 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.