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Natural hazards · New Albany

New Albany, IN natural hazards

Most of the natural-hazard damage FEMA expects in New Albany comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 108 claims here since 1978. 8 federal disasters brought FEMA money into town.

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

How exposed is New Albany?

65
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in New Albany to be higher than in 65% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes23%Cold waves13%Strong wind7%Everything else9%
By hazard

What New Albany 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
Well above average · higher than 79% of U.S. places
Recorded about once a year in the area

Tornadoes

23% of expected damage
Well above average · higher than 92% of U.S. places

Cold waves

13% of expected damage
Below average · higher than 48% of U.S. places
Recorded about once a year in the area

Strong wind

7% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 6 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 New Albany flood?

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

108paid claims since 1978
$2.2Mpaid to owners
12homes flooded more than once
19782026

Biggest named events

  • Central U.S. April Flooding: 4 claims, $188K
  • Not a named storm: 3 claims, $2K
  • Mid-spring storms: 1 claim, $4K

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. New Albany isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Floyd County.
Disasters that hit New Albany

8 federal disasters brought FEMA money here

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

Brought FEMA money into New AlbanyDeclared for Floyd County only
2025

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

$80K to the City of New Albany for repairs
2018

Severe Storms and Flooding

67 households applied for aid $136K aid approved $46K to the City of New Albany for repairs
2011

Severe Storms, Tornadoes, Straight-Line Winds, and

$194K to the City of New Albany for repairs
2009

Severe Winter Storm

$426K to the City of New Albany for repairs
2008

Severe Storms and Flooding

683 households applied for aid $41K aid approved $683K to the City of New Albany for repairs
2005

Severe Winter Storms and Flooding

10 households applied for aid $651 aid approved
2004

Snow

$29K to the City of New Albany for repairs
2004

Severe Storms, Tornadoes, and Flooding

19 households applied for aid $13K aid approved
Floyd County has had 15 natural disasters declared since 1953, most often severe storms and floods.
Around New Albany

New Albany and the towns around it

New Albany: Moderate, mostly inland floodingJeffersonville: High, mostly inland floodingLouisville/Jefferson County metro government: no dataClarksville: Moderate, mostly inland floodingLafayette: Moderate, mostly inland floodingSilver Creek: Moderate, mostly inland floodingFranklin: High, mostly inland floodingGeorgetown: Moderate, mostly inland floodingFloyds Knobs: Moderate, mostly inland floodingSellersburg: Moderate, mostly inland floodingJeffersonville: Moderate, mostly inland floodingUtica: Moderate, mostly inland floodingPosey: High, mostly inland floodingTaylor: High, mostly inland floodingUtica: Moderate, mostly inland floodingWest Point: Very high, mostly inland floodingNew Albany: High, mostly inland flooding New AlbanyNew AlbanyJeffersonvilleLouisville/Jefferson County metro governmentClarksville
Very lowLowModerateHighVery high
New Albanymostly inland floodingHigh
Jeffersonvillemostly inland floodingHigh
New Albanymostly inland floodingModerate
Clarksvillemostly 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. New Albany covers 11 census tracts, combined by population.
Money that reached townFlood claims are matched to New Albany’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of New Albany. 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 New Albany 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.

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