Natural hazards · Larwill

Larwill, IN natural hazards

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

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Larwill to be higher than in 33% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes21%Strong wind7%Drought6%Everything else14%

By hazard

What Larwill faces

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

Inland flooding

53% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

21% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 17 years in the area

Strong wind

7% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 5 times a year in the area

Drought

6% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Larwill flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Whitley County.

Disasters that hit Larwill

1 federal disaster brought FEMA money here

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

Brought FEMA money into LarwillDeclared for Whitley County only

2009

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $3K aid approved

Whitley County has had 13 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. Larwill 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 Larwill’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Larwill. 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.