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Natural hazards · Lawrenceburg

Lawrenceburg, IN natural hazards

Most of the natural-hazard damage FEMA expects in Lawrenceburg comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1997. 5 federal disasters brought FEMA money into town.

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

How exposed is Lawrenceburg?

34
Low
vs. U.S. communities

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

Inland flooding49%Tornadoes23%Cold waves9%Strong wind8%Earthquakes6%Everything else5%
By hazard

What Lawrenceburg faces

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

Inland flooding

49% of expected damage
Below average · higher than 38% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

23% of expected damage
Well above average · higher than 97% of U.S. places

Cold waves

9% of expected damage
Above average · higher than 53% of U.S. places
Recorded about 2 times a year in the area

Strong wind

8% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about 4 times a year in the area

Earthquakes

6% of expected damage
Above average · higher than 66% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Lawrenceburg flood?

Every paid claim on a federal flood insurance policy in Lawrenceburg, from FEMA’s records.

6paid claims since 1997
$581Kpaid to owners
1homes flooded more than once
19972026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

5 federal disasters brought FEMA money here

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

Brought FEMA money into LawrenceburgDeclared for Dearborn County only
2026

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

1 household applied for aid
2018

Severe Storms and Flooding

7 households applied for aid $41K aid approved
2008

Severe Storms and Flooding

94 households applied for aid $3K aid approved $112K to the City of Lawrenceburg for repairs
2008

Severe Storms, Flooding, and Tornadoes

2 households applied for aid $34K aid approved
2004

Snow

$28K to the City of Lawrenceburg for repairs
Dearborn County has had 19 natural disasters declared since 1953, most often severe storms and floods.
Around Lawrenceburg

Lawrenceburg and the towns around it

Greendale: Low, mostly inland floodingLawrenceburg: Low, mostly inland floodingAurora: High, mostly inland floodingPetersburg: Moderate, mostly inland floodingCenter: High, mostly inland floodingHidden Valley: Low, mostly inland floodingMiller: Low, mostly inland floodingWhitewater: High, mostly inland floodingShawnee: High, mostly inland floodingMiami: Moderate, mostly inland floodingManchester: Low, mostly inland floodingHogan: Moderate, mostly inland floodingRandolph: Moderate, mostly inland floodingWashington: Moderate, mostly inland floodingLawrenceburg: Low, mostly inland flooding LawrenceburgGreendaleLawrenceburgAuroraPetersburgCenter
Very lowLowModerateHighVery high
Auroramostly inland floodingHigh
Centermostly inland floodingHigh
Petersburgmostly inland floodingModerate
Greendalemostly inland floodingLow
Lawrenceburgmostly inland floodingLow
Lawrenceburgmostly 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. Lawrenceburg covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Lawrenceburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lawrenceburg. 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 Lawrenceburg total about $2.4M 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.

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