Natural hazards · Licking

Licking, IN natural hazards

Most of the natural-hazard damage FEMA expects in Licking comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1993.

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

Expected damage

How exposed is Licking?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Licking to be higher than in 42% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes25%Strong wind9%Heat waves5%Everything else14%

By hazard

What Licking faces

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

Inland flooding

48% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

25% of expected damage

Well above average · higher than 96% of U.S. places

Strong wind

9% of expected damage

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

Recorded about 5 times a year in the area

Heat waves

5% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightningDrought

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 Licking flood?

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

1paid claims since 1993

$2Kpaid to owners

0homes flooded more than once

19932026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Blackford County.

Disasters that hit Licking

Federal disasters declared here

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

Brought FEMA money into LickingDeclared for Blackford County only

Blackford County has had 14 natural disasters declared since 1953, most often winter storms and severe storms.

Around Licking

Licking and the towns around it

Very lowLowModerateHighVery high

Unionmostly inland floodingModerate

Jacksonmostly inland floodingModerate

Lickingmostly inland floodingModerate

Washingtonmostly inland floodingLow

Jeffersonmostly 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. Licking covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Licking’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Licking. 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 Licking total about $1.6M 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.