Natural hazards · Modoc

Modoc, IN natural hazards

Most of the natural-hazard damage FEMA expects in Modoc comes from inland flooding, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Modoc?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Modoc to be higher than in 40% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes27%Strong wind6%Everything else11%

By hazard

What Modoc faces

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

Inland flooding

56% of expected damage

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

Recorded about once a year in the area

Tornadoes

27% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 11 years in the area

Strong wind

6% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Modoc flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Randolph County.

Disasters that hit Modoc

4 federal disasters brought FEMA money here

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

Brought FEMA money into ModocDeclared for Randolph County only

2026

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

3 households applied for aid $1K aid approved

2008

Severe Storms, Flooding, and Tornadoes

6 households applied for aid $2K aid approved

2005

Severe Winter Storms and Flooding

57 households applied for aid $31K aid approved $4K to the Town of Modoc for repairs

2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $13K aid approved

Randolph County has had 16 natural disasters declared since 1953, most often winter storms and severe 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. Modoc 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 Modoc’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Modoc. 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.