Natural hazards · Otisco

Otisco, IN natural hazards

Most of the natural-hazard damage FEMA expects in Otisco comes from inland flooding, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Otisco?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Otisco to be higher than in 41% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes31%Strong wind10%Cold waves9%Everything else9%

By hazard

What Otisco faces

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

Inland flooding

40% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

31% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 40 years in the area

Strong wind

10% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 6 times a year in the area

Cold waves

9% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Otisco flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clark County.

Disasters that hit Otisco

5 federal disasters brought FEMA money here

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

Brought FEMA money into OtiscoDeclared for Clark County only

2018

Severe Storms and Flooding

1 household applied for aid

2012

Severe Storms, Straight-Line Winds, and Tornadoes

96 households applied for aid $114K aid approved

2008

Severe Storms and Flooding

48 households applied for aid $16K aid approved

2005

Severe Winter Storms and Flooding

1 household applied for aid

2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $1K aid approved

Clark County has had 17 natural disasters declared since 1953, most often severe storms and floods.

Around Otisco

Otisco and the towns around it

Very lowLowModerateHighVery high

Monroemostly inland floodingHigh

Oregonmostly inland floodingHigh

Otiscomostly inland floodingModerate

Charlestownmostly inland floodingModerate

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. Otisco 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 Otisco’s own flood-insurance community; household aid to the registrant’s city; repair grants to Otisco. 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.