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Natural hazards · Lebanon

Lebanon, IN natural hazards

Most of the natural-hazard damage FEMA expects in Lebanon comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 43 claims here since 1979. 4 federal disasters brought FEMA money into town.

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

How exposed is Lebanon?

60
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lebanon to be higher than in 60% of U.S. communities, mostly from inland flooding.

Inland flooding63%Cold waves10%Earthquakes6%Strong wind6%Tornadoes5%Everything else9%
By hazard

What Lebanon faces

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

Inland flooding

63% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about once a year in the area

Cold waves

10% of expected damage
Above average · higher than 57% of U.S. places
Recorded about 4 times a year in the area

Earthquakes

6% of expected damage
Well above average · higher than 75% of U.S. places

Strong wind

6% of expected damage
Above average · higher than 63% of U.S. places
Recorded about 5 times a year in the area

Tornadoes

5% of expected damage
Above average · higher than 54% 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 Lebanon flood?

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

43paid claims since 1979
$324Kpaid to owners
4homes flooded more than once
19792026

Biggest named events

  • Mid-spring storms: 1 claim, $276

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
🏷️ 15% off flood insurance. Lebanon is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Boone County.
Disasters that hit Lebanon

4 federal disasters brought FEMA money here

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

Brought FEMA money into LebanonDeclared for Boone County only
2005

Severe Winter Storms and Flooding

17 households applied for aid $15K aid approved
2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
2003

Severe Storms, Tornadoes, and Flooding

12 households applied for aid $9K aid approved
1999

In-Winter Storm 12/23/98

$9K to the City of Lebanon for repairs
Boone County has had 15 natural disasters declared since 1953, most often severe storms and winter storms.
Around Lebanon

Lebanon and the towns around it

Zionsville: Low, mostly inland floodingPerry: Very low, mostly inland floodingCenter: Low, mostly inland floodingJefferson: Moderate, mostly inland floodingWhitestown: Low, mostly inland floodingWorth: Low, mostly inland floodingPike: Moderate, mostly inland floodingIndianapolis: no dataClay: Moderate, mostly inland floodingCarmel: Moderate, mostly inland floodingHarrison: Very low, mostly inland floodingMarion: Moderate, mostly inland floodingBrown: High, mostly inland floodingJackson: Very low, mostly inland floodingWashington: Moderate, mostly inland floodingClinton: Moderate, mostly inland floodingFranklin: Low, mostly inland floodingSugar Creek: Moderate, mostly inland floodingLebanon: High, mostly inland flooding LebanonZionsvillePerryCenterJeffersonWhitestown
Very lowLowModerateHighVery high
Lebanonmostly inland floodingHigh
Jeffersonmostly inland floodingModerate
Centermostly inland floodingLow
Zionsvillemostly inland floodingLow
Whitestownmostly inland floodingLow
Perrymostly inland floodingVery low
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. Lebanon covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Lebanon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lebanon. 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 Lebanon total about $2.1M 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.

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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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