Natural hazards · Niles

Niles, IN natural hazards

Most of the natural-hazard damage FEMA expects in Niles comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 23 claims here since 1983.

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

Expected damage

How exposed is Niles?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Niles to be higher than in 57% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding70%Tornadoes17%Everything else13%

By hazard

What Niles faces

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

Inland flooding

70% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 22 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Niles flood?

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

23paid claims since 1983

$328Kpaid to owners

0homes flooded more than once

19832026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Delaware County.

Disasters that hit Niles

Federal disasters declared here

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

Brought FEMA money into NilesDeclared for Delaware County only

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

Around Niles

Niles and the towns around it

Very lowLowModerateHighVery high

Nilesmostly inland floodingModerate

Delawaremostly inland floodingModerate

Unionmostly inland floodingModerate

Jacksonmostly inland floodingModerate

Richlandmostly inland floodingLow

Dunkirkmostly inland floodingLow

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. Niles covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Niles’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Niles. 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 Niles total about $1.6M 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.