Natural hazards · North

North, IN natural hazards

Most of the natural-hazard damage FEMA expects in North comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is North?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North to be higher than in 19% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding36%Cold waves27%Tornadoes17%Lightning6%Everything else13%

By hazard

What North faces

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

Inland flooding

36% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once every 3 years in the area

Cold waves

27% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 42 years in the area

Lightning

6% of expected damage

Above average · higher than 61% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 North flood?

FEMA's records show no paid flood insurance claims in North.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Marshall County.

Disasters that hit North

Federal disasters declared here

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

Brought FEMA money into NorthDeclared for Marshall County only

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

Around North

North and the towns around it

Very lowLowModerateHighVery high

Centermostly inland floodingLow

Polkmostly inland floodingLow

Germanmostly inland floodingLow

Northmostly inland floodingVery low

Unionmostly inland floodingVery 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. North covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to North’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of North. 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 North total about $949K 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.