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Natural hazards · Mooresville

Mooresville, IN natural hazards

Most of the natural-hazard damage FEMA expects in Mooresville comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 32 claims here since 1993. 10 federal disasters brought FEMA money into town.

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

How exposed is Mooresville?

45
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mooresville to be higher than in 45% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes16%Strong wind7%Cold waves6%Earthquakes6%Everything else9%
By hazard

What Mooresville faces

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

Inland flooding

55% of expected damage
Above average · higher than 57% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

16% of expected damage
Well above average · higher than 89% of U.S. places

Strong wind

7% of expected damage
Above average · higher than 74% of U.S. places
Recorded about 5 times a year in the area

Cold waves

6% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 3 times a year in the area

Earthquakes

6% of expected damage
Above average · higher than 70% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Mooresville flood?

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

32paid claims since 1993
$572Kpaid to owners
5homes flooded more than once
19932026

Biggest named events

  • Storm: 7 claims, $104K
  • Mid-spring storms: 1 claim, $36K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

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

What’s been done with FEMA grants

1flood-prone properties bought out and cleared
Disasters that hit Mooresville

10 federal disasters brought FEMA money here

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

Brought FEMA money into MooresvilleDeclared for Morgan County only
2026

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

6 households applied for aid $15K aid approved
2025

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

$65K to the Town of Mooresville for repairs
2023

Severe Storms, Straight-Line Winds, and Tornadoes

9 households applied for aid
2014

Severe Winter Storm and Snowstorm

$10K to the Town of Mooresville for repairs
2008

Severe Storms, Flooding, and Tornadoes

87 households applied for aid $178K aid approved
2005

Severe Winter Storms and Flooding

5 households applied for aid $8K aid approved
2004

Snow

$8K to the Town of Mooresville for repairs
2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $1K aid approved
2003

Severe Storms, Tornadoes, and Flooding

20 households applied for aid $44K aid approved
1999

In-Winter Storm 12/23/98

$6K to the Town of Mooresville for repairs
Morgan County has had 16 natural disasters declared since 1953, most often severe storms and floods.
Around Mooresville

Mooresville and the towns around it

Brown: Moderate, mostly inland floodingMadison: Moderate, mostly inland floodingClay: High, mostly inland floodingMonroe: Moderate, mostly inland floodingGuilford: Moderate, mostly inland floodingBrooklyn: High, mostly inland floodingHarrison: High, mostly inland floodingDecatur: Low, mostly inland floodingIndianapolis: no dataWhite River: Moderate, mostly inland floodingMooresville: Moderate, mostly inland flooding MooresvilleBrownMadison
Very lowLowModerateHighVery high
Mooresvillemostly inland floodingModerate
Madisonmostly inland floodingModerate
Brownmostly inland floodingModerate
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. Mooresville covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Mooresville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Mooresville. 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 Mooresville total about $3.4M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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