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Natural hazards · Noblesville

Noblesville, IN natural hazards

Most of the natural-hazard damage FEMA expects in Noblesville comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 129 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

How exposed is Noblesville?

48
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Noblesville to be higher than in 48% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes23%Cold waves8%Everything else14%
By hazard

What Noblesville faces

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

Inland flooding

56% of expected damage
Above average · higher than 61% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

23% of expected damage
Well above average · higher than 95% of U.S. places

Cold waves

8% of expected damage
Above average · higher than 56% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Noblesville flood?

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

129paid claims since 1979
$1.8Mpaid to owners
12homes flooded more than once
19792026

Biggest named events

  • 2026-08-Indiana-Flooding: 4 claims, $159K
  • Storm: 2 claims, $27K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 15% off flood insurance. Noblesville is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Hamilton County.

What’s been done with FEMA grants

50flood-prone properties bought out and cleared
Disasters that hit Noblesville

9 federal disasters brought FEMA money here

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

Brought FEMA money into NoblesvilleDeclared for Hamilton County only
2026

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

175 households applied for aid $1.4M aid approved
2014

Severe Winter Storm and Snowstorm

$63K to the City of Noblesville for repairs
2008

Severe Storms, Flooding, and Tornadoes

7 households applied for aid $1K aid approved
2007

Snow

$78K to the City of Noblesville for repairs
2005

Severe Winter Storms and Flooding

15 households applied for aid $15K aid approved
2004

Snow

$53K to the City of Noblesville for repairs
2004

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $6K aid approved
2003

Severe Storms, Tornadoes, and Flooding

71 households applied for aid $315K aid approved
1999

In-Winter Storm 12/23/98

$26K to the City of Noblesville for repairs
Hamilton County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.
Around Noblesville

Noblesville and the towns around it

Fishers: Moderate, mostly inland floodingNoblesville: Moderate, mostly inland floodingWayne: Moderate, mostly inland floodingClay: Moderate, mostly inland floodingWestfield: Low, mostly inland floodingFall Creek: Moderate, mostly inland floodingCarmel: Moderate, mostly inland floodingDelaware: Low, mostly inland floodingLawrence: Low, mostly inland floodingIndianapolis: no dataMcCordsville: Low, mostly inland floodingVernon: Low, mostly inland floodingFortville: Low, mostly inland floodingWhite River: Moderate, mostly inland floodingJackson: Low, mostly inland floodingWestfield Washington: Low, mostly inland floodingStony Creek: Low, mostly inland floodingLapel: Low, mostly inland floodingFishersburg: Low, mostly inland floodingZionsville: Low, mostly inland floodingWashington: Moderate, mostly inland floodingHortonville: Low, mostly inland floodingGreen: Low, mostly inland floodingNoblesville: Moderate, mostly inland flooding NoblesvilleFishersNoblesvilleWayneClayWestfieldFall CreekCarmelDelaware
Very lowLowModerateHighVery high
Waynemostly inland floodingModerate
Noblesvillemostly inland floodingModerate
Noblesvillemostly inland floodingModerate
Fall Creekmostly inland floodingModerate
Fishersmostly inland floodingModerate
Claymostly inland floodingModerate
Carmelmostly inland floodingModerate
Westfieldmostly inland floodingLow
Delawaremostly 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. Noblesville covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Noblesville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Noblesville. 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 Noblesville total about $12.6M 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.

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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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