Natural hazards · Lincoln

Lincoln, IN natural hazards

Most of the natural-hazard damage FEMA expects in Lincoln comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1994.

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

Expected damage

How exposed is Lincoln?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lincoln to be higher than in 22% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding40%Cold waves28%Tornadoes22%Everything else11%

By hazard

What Lincoln faces

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

Inland flooding

40% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once every 3 years in the area

Cold waves

28% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

22% of expected damage

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

Recorded about once every 19 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Lincoln flood?

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

4paid claims since 1994

$24Kpaid to owners

0homes flooded more than once

19942026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: LaPorte County.

Disasters that hit Lincoln

Federal disasters declared here

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

Brought FEMA money into LincolnDeclared for LaPorte County only

LaPorte County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Lincoln

Lincoln and the towns around it

Very lowLowModerateHighVery high

Libertymostly inland floodingLow

Lincolnmostly inland floodingLow

Pleasantmostly inland floodingLow

Willsmostly inland floodingLow

Johnsonmostly inland floodingLow

Greenemostly inland floodingVery low

Washingtonmostly inland floodingVery low

Lincolnmostly inland floodingVery low

Olivemostly 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. Lincoln covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lincoln’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Lincoln. 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 Lincoln total about $1.7M 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.