Natural hazards · New Harmony

New Harmony, IN natural hazards

Most of the natural-hazard damage FEMA expects in New Harmony comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 3 claims here since 1983. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is New Harmony?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in New Harmony to be higher than in 80% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding54%Earthquakes25%Tornadoes8%Everything else14%

By hazard

What New Harmony faces

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

Inland flooding

54% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 8 times a year in the area

Earthquakes

25% of expected damage

Well above average · higher than 86% of U.S. places

Tornadoes

8% of expected damage

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

Recorded about once every 17 years in the area

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 New Harmony flood?

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

3paid claims since 1983

$8Kpaid to owners

0homes flooded more than once

19832026

Biggest named events

Mid-spring storms: 1 claim, $7K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Posey County.

Disasters that hit New Harmony

5 federal disasters brought FEMA money here

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

Brought FEMA money into New HarmonyDeclared for Posey County only

2011

Severe Storms, Tornadoes, Straight-Line Winds, and

$22K to the Town of New Harmony for repairs

2009

Severe Winter Storm

$3K to the Town of New Harmony for repairs

2008

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $10K aid approved $12K to the Town of New Harmony for repairs

2005

Severe Winter Storms and Flooding

4 households applied for aid $14K aid approved

2002

Severe Storms, Tornadoes and Flooding

$11K to the Town of New Harmony for repairs

Posey County has had 17 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. New Harmony 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 New Harmony’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of New Harmony. 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.