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 high for a U.S. community.

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

Expected damage

How exposed is Monroe?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monroe to be higher than in 62% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding66%Tornadoes20%Strong wind6%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

66% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 16 years in the area

Strong wind

6% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 5 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 Monroe flood?

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

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: Randolph County.

Disasters that hit Monroe

Federal disasters declared here

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

Brought FEMA money into MonroeDeclared for Randolph County only

Randolph County has had 16 natural disasters declared since 1953, most often winter storms and severe storms.

Around Monroe

Monroe and the towns around it

Very lowLowModerateHighVery high

Monroemostly inland floodingHigh

Greenmostly inland floodingHigh

Franklinmostly inland floodingHigh

White Rivermostly inland floodingModerate

Stoney Creekmostly inland floodingModerate

Libertymostly 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 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 Monroe’s own flood-insurance community; 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.

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.