Natural hazards · Napoleon

Napoleon, IN natural hazards

Most of the natural-hazard damage FEMA expects in Napoleon comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Napoleon?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Napoleon to be higher than in 53% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes26%Strong wind10%Cold waves6%Everything else11%

By hazard

What Napoleon faces

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

Inland flooding

47% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

26% of expected damage

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

Recorded about once every 15 years in the area

Strong wind

10% of expected damage

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

Recorded about 5 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Napoleon flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ripley County.

Disasters that hit Napoleon

Federal disasters declared here

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

Brought FEMA money into NapoleonDeclared for Ripley County only

Ripley County has had 15 natural disasters declared since 1953, most often severe storms and winter 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. Napoleon 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 Napoleon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Napoleon. 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.