Natural hazards · Laotto

Laotto, IN natural hazards

Most of the natural-hazard damage FEMA expects in Laotto 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 Laotto?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Laotto to be higher than in 24% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes21%Cold waves10%Strong wind10%Everything else14%

By hazard

What Laotto 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

Below average · higher than 29% of U.S. places

Recorded about once every 9 years in the area

Tornadoes

21% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 25 years in the area

Cold waves

10% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 4 times a year in the area

Strong wind

10% of expected damage

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

Recorded about 5 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 Laotto flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Noble County.

What’s been done with FEMA grants

1homes raised above flood level

Disasters that hit Laotto

1 federal disaster brought FEMA money here

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

Brought FEMA money into LaottoDeclared for Noble County only

2008

Severe Storms and Flooding

1 household applied for aid $944 aid approved

Noble County has had 14 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. Laotto 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 Laotto’s own flood-insurance community; household aid to the registrant’s city; repair grants to Laotto. 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.