Natural hazards · Laud

Laud, IN natural hazards

Most of the natural-hazard damage FEMA expects in Laud comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Laud?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Laud to be higher than in 23% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding44%Tornadoes24%Drought10%Strong wind7%Everything else15%

By hazard

What Laud faces

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

Inland flooding

44% of expected damage

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

Recorded about once every 2 years in the area

Tornadoes

24% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 20 years in the area

Drought

10% of expected damage

Recorded about 2 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 5 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 Laud flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Laud 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 Laud

Federal disasters declared here

None of the disasters declared for Whitley County shows FEMA aid or repair money reaching Laud itself in FEMA’s records.

Brought FEMA money into LaudDeclared for Whitley County only

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. Laud covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Laud’s own flood-insurance community; household aid to the registrant’s city; repair grants to Laud. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Laud total about $1.1M a year, counting buildings, people and crops.

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.