Natural hazards · Moral

Moral, IN natural hazards

Most of the natural-hazard damage FEMA expects in Moral comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 27 claims here since 1992.

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

Expected damage

How exposed is Moral?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Moral to be higher than in 54% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes25%Everything else20%

By hazard

What Moral 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 66% of U.S. places

Recorded about once a year in the area

Tornadoes

25% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 21 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Moral flood?

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

27paid claims since 1992

$465Kpaid to owners

0homes flooded more than once

19922026

Biggest named events

Storm: 2 claims, $14K
Central U.S. April Flooding: 1 claim, $98K
Mid-spring storms: 1 claim, $11K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Shelby County.

Disasters that hit Moral

Federal disasters declared here

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

Brought FEMA money into MoralDeclared for Shelby County only

Shelby County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Moral

Moral and the towns around it

Very lowLowModerateHighVery high

Moralmostly inland floodingModerate

Sugar Creekmostly inland floodingModerate

Brandywinemostly inland floodingLow

Clarkmostly inland floodingLow

Van Burenmostly inland floodingLow

Franklinmostly 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. Moral covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Moral’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Moral. 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 Moral total about $2.0M 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.