Natural hazards · Monroe

Monroe, IN natural hazards

Most of the natural-hazard damage FEMA expects in Monroe comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1981.

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

Expected damage

How exposed is Monroe?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monroe to be higher than in 27% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding49%Tornadoes22%Strong wind11%Cold waves6%Heat waves5%Everything else8%

By hazard

What Monroe 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 36% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

22% of expected damage

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

Recorded about once every 26 years in the area

Strong wind

11% of expected damage

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

Recorded about 4 times a year in the area

Cold waves

6% of expected damage

Below average · higher than 38% of U.S. places

Recorded about 4 times a year in the area

Heat waves

5% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Monroe flood?

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

6paid claims since 1981

$190Kpaid to owners

0homes flooded more than once

19812026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Adams County.

Disasters that hit Monroe

Federal disasters declared here

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

Brought FEMA money into MonroeDeclared for Adams County only

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

Around Monroe

Monroe and the towns around it

Very lowLowModerateHighVery high

Washingtonmostly inland floodingModerate

Wabashmostly inland floodingModerate

Blue Creekmostly inland floodingLow

Frenchmostly inland floodingLow

Monroemostly inland floodingLow

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. Monroe covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Monroe’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Monroe. 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 Monroe total about $2.9M 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.