Natural hazards · Ladoga

Ladoga, IN natural hazards

Most of the natural-hazard damage FEMA expects in Ladoga comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Ladoga?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ladoga to be higher than in 34% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves15%Strong wind9%Tornadoes8%Drought7%Earthquakes7%Everything else10%

By hazard

What Ladoga faces

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

Inland flooding

45% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

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

Recorded about 4 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

8% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once every 17 years in the area

Drought

7% of expected damage

Recorded about 2 times a year in the area

Earthquakes

7% of expected damage

Well above average · higher than 75% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Ladoga flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Montgomery County.

Disasters that hit Ladoga

1 federal disaster brought FEMA money here

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

Brought FEMA money into LadogaDeclared for Montgomery County only

2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $5K aid approved

Montgomery County has had 18 natural disasters declared since 1953, most often severe storms 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. Ladoga 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 Ladoga’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ladoga. 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.