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Natural hazards · Lapel

Lapel, IN natural hazards

Most of the natural-hazard damage FEMA expects in Lapel comes from inland flooding, and overall the risk is low for a U.S. community. 8 federal disasters brought FEMA money into town.

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

How exposed is Lapel?

37
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lapel to be higher than in 37% of U.S. communities, mostly from inland flooding.

Inland flooding58%Tornadoes14%Cold waves8%Earthquakes7%Everything else14%
By hazard

What Lapel faces

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

Inland flooding

58% of expected damage
Above average · higher than 53% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

14% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about once every 45 years in the area

Cold waves

8% of expected damage
Above average · higher than 56% of U.S. places
Recorded about 3 times a year in the area

Earthquakes

7% of expected damage
Above average · higher than 70% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

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 Lapel flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Lapel isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Madison County.
Disasters that hit Lapel

8 federal disasters brought FEMA money here

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

Brought FEMA money into LapelDeclared for Madison County only
2026

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

2 households applied for aid $4K aid approved
2025

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

$15K to the Town of Lapel for repairs
2014

Severe Winter Storm and Snowstorm

$5K to the Town of Lapel for repairs
2007

Snow

$3K to the Town of Lapel for repairs
2005

Severe Winter Storms and Flooding

1 household applied for aid $409 aid approved
2004

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $3K aid approved
2003

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $527 aid approved
1999

In-Winter Storm 12/23/98

$4K to the Town of Lapel for repairs
Madison County has had 19 natural disasters declared since 1953, most often severe storms and winter storms.
Around Lapel

Lapel and the towns around it

Wayne: Moderate, mostly inland floodingStony Creek: Low, mostly inland floodingPendleton: Moderate, mostly inland floodingNoblesville: Moderate, mostly inland floodingNoblesville: Moderate, mostly inland floodingFall Creek: Moderate, mostly inland floodingFishersburg: Low, mostly inland floodingWhite River: Moderate, mostly inland floodingGreen: Low, mostly inland floodingJackson: Moderate, mostly inland floodingAnderson: Low, mostly inland floodingAnderson: Low, mostly inland floodingFall Creek: Low, mostly inland floodingIngalls: Low, mostly inland floodingLapel: Low, mostly inland flooding LapelWayneStony CreekPendleton
Very lowLowModerateHighVery high
Waynemostly inland floodingModerate
Pendletonmostly inland floodingModerate
Lapelmostly inland floodingLow
Stony Creekmostly 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. Lapel 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 Lapel’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lapel. 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.

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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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