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Natural hazards · Nappanee

Nappanee, IN natural hazards

Most of the natural-hazard damage FEMA expects in Nappanee comes from inland flooding, and overall the risk is very 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 Nappanee?

6
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Nappanee to be higher than in 6% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding40%Cold waves23%Tornadoes18%Strong wind7%Hail5%Everything else8%
By hazard

What Nappanee faces

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

Inland flooding

40% of expected damage
Well below average · higher than 10% of U.S. places
Recorded about once every 3 years in the area

Cold waves

23% of expected damage
Below average · higher than 46% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

18% of expected damage
Above average · higher than 71% of U.S. places

Strong wind

7% of expected damage
Below average · higher than 43% of U.S. places
Recorded about 5 times a year in the area

Hail

5% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesIce 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 Nappanee flood?

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

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

6 federal disasters brought FEMA money here

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

Brought FEMA money into NappaneeDeclared for Elkhart County only
2018

Severe Storms and Flooding

7 households applied for aid $14K aid approved
2008

Severe Storms and Flooding

5 households applied for aid $862 aid approved
2007

Snow

$11K to the City of Nappanee for repairs
2005

Severe Winter Storms and Flooding

1 household applied for aid
2000

Snow

$8K to the City of Nappanee for repairs
1999

In-Winter Storm 12/23/98

$8K to the City of Nappanee for repairs
Elkhart County has had 11 natural disasters declared since 1953, most often winter storms and floods.
Around Nappanee

Nappanee and the towns around it

Locke: Very low, mostly inland floodingScott: Very low, mostly inland floodingUnion: Very low, mostly inland floodingJefferson: Very low, mostly inland floodingMadison: Very low, mostly inland floodingOlive: Very low, mostly inland floodingGerman: Low, mostly inland floodingPrairie: Very low, mostly inland floodingEtna: Very low, mostly inland floodingBourbon: Very low, mostly inland floodingJackson: Very low, mostly inland floodingHarrison: Very low, mostly inland floodingVan Buren: Very low, mostly inland floodingNappanee: Very low, mostly inland flooding NappaneeLockeScottUnionJefferson
Very lowLowModerateHighVery high
Scottmostly inland floodingVery low
Jeffersonmostly inland floodingVery low
Nappaneemostly inland floodingVery low
Unionmostly inland floodingVery low
Lockemostly inland floodingVery low
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. Nappanee covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Nappanee’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Nappanee. 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 Nappanee total about $1.2M 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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