Natural hazards · Muncie

Muncie, IN natural hazards

Most of the natural-hazard damage FEMA expects in Muncie comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 100 claims here since 1980. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Muncie?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Muncie to be higher than in 44% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding60%Tornadoes21%Earthquakes7%Everything else11%

By hazard

What Muncie faces

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

Inland flooding

60% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 81% of U.S. places

Earthquakes

7% of expected damage

Above average · higher than 69% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Muncie flood?

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

100paid claims since 1980

$1.7Mpaid to owners

13homes flooded more than once

19802026

Biggest named events

2026-08-Indiana-Flooding: 17 claims, $621K
Hurricane Ike: 1 claim, $44K

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. Muncie isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Delaware County.

What’s been done with FEMA grants

4flood-prone properties bought out and cleared

Disasters that hit Muncie

7 federal disasters brought FEMA money here

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

Brought FEMA money into MuncieDeclared for Delaware County only

2026

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

980 households applied for aid $5.5M aid approved

2007

Snow

$63K to the City of Muncie for repairs

2005

Severe Winter Storms and Flooding

3,101 households applied for aid $2.0M aid approved $2.7M to the City of Muncie for repairs

2004

Snow

$46K to the City of Muncie for repairs

2004

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $2K aid approved

2003

Severe Storms, Tornadoes, and Flooding

272 households applied for aid $488K aid approved

1999

In-Winter Storm 12/23/98

$39K to the City of Muncie for repairs

Delaware County has had 15 natural disasters declared since 1953, most often severe storms and winter storms.

Around Muncie

Muncie and the towns around it

Very lowLowModerateHighVery high

Yorktownmostly inland floodingModerate

Munciemostly inland floodingModerate

Centermostly inland floodingModerate

Hamiltonmostly inland floodingLow

Monroemostly 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. Muncie covers 18 census tracts, combined by population.

Money that reached townFlood claims are matched to Muncie’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Muncie. 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 Muncie total about $16.7M 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.