Natural hazards · Milford

Milford, IN natural hazards

Most of the natural-hazard damage FEMA expects in Milford comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2006.

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

Expected damage

How exposed is Milford?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Milford to be higher than in 24% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding49%Tornadoes17%Strong wind10%Cold waves9%Hail6%Everything else10%

By hazard

What Milford faces

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

Inland flooding

49% of expected damage

Below average · higher than 30% of U.S. places

Recorded about once every 7 years in the area

Tornadoes

17% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 54 years in the area

Strong wind

10% of expected damage

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

Recorded about 5 times a year in the area

Cold waves

9% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 3 times a year in the area

Hail

6% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesIce 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 Milford flood?

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

2paid claims since 2006

$43Kpaid to owners

0homes flooded more than once

20062026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: LaGrange County.

Disasters that hit Milford

Federal disasters declared here

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

Brought FEMA money into MilfordDeclared for LaGrange County only

LaGrange County has had 10 natural disasters declared since 1953, most often winter storms and tornadoes.

Around Milford

Milford and the towns around it

Very lowLowModerateHighVery high

Salemmostly inland floodingModerate

Johnsonmostly inland floodingLow

Milfordmostly inland floodingLow

Strohmostly inland floodingLow

Springfieldmostly inland floodingVery low

Waynemostly 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. Milford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Milford’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Milford. 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 Milford total about $978K 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.