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Natural hazards · Michigantown

Michigantown, IN natural hazards

Most of the natural-hazard damage FEMA expects in Michigantown comes from inland flooding, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

How exposed is Michigantown?

42
Moderate
vs. U.S. communities

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

Inland flooding44%Tornadoes15%Cold waves12%Strong wind9%Hail7%Drought6%Everything else9%
By hazard

What Michigantown faces

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

Inland flooding

44% of expected damage
Above average · higher than 50% of U.S. places
Recorded about once a year in the area

Tornadoes

15% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about once every 11 years in the area

Cold waves

12% of expected damage
Above average · higher than 57% of U.S. places
Recorded about 4 times a year in the area

Strong wind

9% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 5 times a year in the area

Hail

7% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 4 times a year in the area

Drought

6% of expected damage
Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Michigantown flood?

FEMA's records show no paid flood insurance claims in Michigantown.

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

5 federal disasters brought FEMA money here

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

Brought FEMA money into MichigantownDeclared for Clinton County only
2023

Severe Storms, Straight-Line Winds, and Tornadoes

5 households applied for aid $178 aid approved
2005

Severe Winter Storms and Flooding

2 households applied for aid $1K aid approved $5K to the Town of Michigantown for repairs
2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $187 aid approved
2003

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $13K aid approved
1999

In-Winter Storm 12/23/98

$2K to the Town of Michigantown for repairs
Clinton County has had 14 natural disasters declared since 1953, most often severe storms and floods.
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. Michigantown is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Michigantown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Michigantown. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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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