Natural hazards · Ligonier

Ligonier, IN natural hazards

Most of the natural-hazard damage FEMA expects in Ligonier comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2009. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ligonier?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ligonier to be higher than in 18% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes24%Strong wind12%Cold waves11%Everything else12%

By hazard

What Ligonier faces

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

Inland flooding

42% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about once every 9 years in the area

Tornadoes

24% of expected damage

Well above average · higher than 90% of U.S. places

Strong wind

12% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 5 times a year in the area

Cold waves

11% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Ligonier flood?

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

1paid claims since 2009

$2Kpaid to owners

0homes flooded more than once

20092026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Noble County.

Disasters that hit Ligonier

7 federal disasters brought FEMA money here

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

Brought FEMA money into LigonierDeclared for Noble County only

2014

Severe Winter Storm and Snowstorm

$17K to the City of Ligonier for repairs

2009

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $2K aid approved

2008

Severe Storms and Flooding

8 households applied for aid $6K aid approved

2007

Snow

$5K to the City of Ligonier for repairs

2005

Severe Winter Storms and Flooding

1 household applied for aid $476 aid approved

2000

Snow

$3K to the City of Ligonier for repairs

1999

In-Winter Storm 12/23/98

$15K to the City of Ligonier for repairs

Noble County has had 14 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. Ligonier covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ligonier’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Ligonier. 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 Ligonier 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.

Ligonier, IN natural hazards

How exposed is Ligonier?

What Ligonier faces

Inland flooding

Tornadoes

Strong wind

Cold waves

Lower here

Not a risk here

Does Ligonier flood?

7 federal disasters brought FEMA money here

Severe Winter Storm and Snowstorm

Severe Storms, Tornadoes, and Flooding

Severe Storms and Flooding

Snow

Severe Winter Storms and Flooding

Snow

In-Winter Storm 12/23/98

How to read this page

Where to, neighbor?

Matches

Nearby