Natural hazards · Montpelier

Montpelier, IN natural hazards

Most of the natural-hazard damage FEMA expects in Montpelier comes from inland flooding, and overall the risk is low for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Montpelier?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montpelier to be higher than in 38% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes24%Strong wind8%Everything else19%

By hazard

What Montpelier faces

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

Inland flooding

50% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

24% of expected damage

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

Recorded about once every 17 years in the area

Strong wind

8% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Montpelier flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Blackford County.

Disasters that hit Montpelier

6 federal disasters brought FEMA money here

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

Brought FEMA money into MontpelierDeclared for Blackford County only

2014

Severe Winter Storm and Snowstorm

$4K to the City of Montpelier for repairs

2007

Snow

$5K to the City of Montpelier for repairs

2005

Severe Winter Storms and Flooding

67 households applied for aid $51K aid approved

2004

Snow

$3K to the City of Montpelier for repairs

2003

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $16K aid approved

1999

In-Winter Storm 12/23/98

$3K to the City of Montpelier for repairs

Blackford County has had 14 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. Montpelier 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 Montpelier’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Montpelier. 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.

Montpelier, IN natural hazards

How exposed is Montpelier?

What Montpelier faces

Inland flooding

Tornadoes

Strong wind

Lower here

Not a risk here

Does Montpelier flood?

6 federal disasters brought FEMA money here

Severe Winter Storm and Snowstorm

Snow

Severe Winter Storms and Flooding

Snow

Severe Storms, Tornadoes, and Flooding

In-Winter Storm 12/23/98

How to read this page

Where to, neighbor?

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