Natural hazards · New Durham

New Durham, IN natural hazards

Most of the natural-hazard damage FEMA expects in New Durham comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 2005.

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

Expected damage

How exposed is New Durham?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in New Durham to be higher than in 7% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves35%Inland flooding27%Tornadoes26%Everything else12%

By hazard

What New Durham faces

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

Cold waves

35% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 3 times a year in the area

Inland flooding

27% of expected damage

Well below average · higher than 9% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

26% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 67 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Durham flood?

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

2paid claims since 2005

$16Kpaid to owners

0homes flooded more than once

20052026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: LaPorte County.

Disasters that hit New Durham

Federal disasters declared here

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

Brought FEMA money into New DurhamDeclared for LaPorte County only

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

Around New Durham

New Durham and the towns around it

Very lowLowModerateHighVery high

Clintonmostly inland floodingLow

Jacksonmostly inland floodingVery low

Scipiomostly cold wavesVery low

Coolspringmostly inland floodingVery low

New Durhammostly cold wavesVery 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. New Durham covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to New Durham’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of New Durham. 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 Durham total about $2.1M 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.