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Natural hazards · Monticello

Monticello, IN natural hazards

Most of the natural-hazard damage FEMA expects in Monticello comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 25 claims here since 1981. 11 federal disasters brought FEMA money into town.

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

How exposed is Monticello?

28
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monticello to be higher than in 28% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding43%Cold waves24%Tornadoes13%Strong wind7%Everything else13%
By hazard

What Monticello faces

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

Inland flooding

43% of expected damage
Below average · higher than 38% of U.S. places
Recorded about once every 2 years in the area

Cold waves

24% of expected damage
Above average · higher than 58% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

13% of expected damage
Well above average · higher than 80% of U.S. places

Strong wind

7% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Monticello flood?

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

25paid claims since 1981
$725Kpaid to owners
2homes flooded more than once
19812026

Biggest named events

  • Mid-spring storms: 1 claim, $7K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

11 federal disasters brought FEMA money here

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

Brought FEMA money into MonticelloDeclared for White County only
2023

Severe Storms, Straight-Line Winds, and Tornadoes

25 households applied for aid $25K aid approved
2018

Severe Storms and Flooding

17 households applied for aid $52K aid approved
2014

Severe Winter Storm and Snowstorm

$18K to the City of Monticello for repairs
2009

Severe Storms, Tornadoes, and Flooding

56 households applied for aid $84K aid approved
2008

Severe Storms and Flooding

318 households applied for aid $1.8M aid approved $44K to the City of Monticello for repairs
2007

Snow

$4K to the City of Monticello for repairs
2005

Severe Winter Storms and Flooding

8 households applied for aid $9K aid approved
2004

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $4K aid approved
2003

Severe Storms, Tornadoes, and Flooding

51 households applied for aid $91K aid approved
2000

Snow

$4K to the City of Monticello for repairs
1999

In-Winter Storm 12/23/98

$8K to the City of Monticello for repairs
White County has had 16 natural disasters declared since 1953, most often severe storms and winter storms.
Around Monticello

Monticello and the towns around it

Union: Low, mostly inland floodingJefferson: High, mostly inland floodingNorway: High, mostly inland floodingLiberty: High, mostly inland floodingBig Creek: Low, mostly inland floodingHoney Creek: Low, mostly inland floodingMonon: Moderate, mostly inland floodingLincoln: Moderate, mostly inland floodingTippecanoe: High, mostly inland floodingAdams: High, mostly inland floodingMonticello: Low, mostly inland flooding MonticelloUnionJeffersonNorway
Very lowLowModerateHighVery high
Jeffersonmostly inland floodingHigh
Norwaymostly inland floodingHigh
Unionmostly inland floodingLow
Monticellomostly 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. Monticello covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Monticello’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Monticello. 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 Monticello total about $2.1M 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.

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