Natural hazards · Owensville

Owensville, IN natural hazards

Most of the natural-hazard damage FEMA expects in Owensville comes from drought, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Owensville?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Owensville to be higher than in 56% of U.S. communities, mostly from drought and inland flooding.

Drought35%Inland flooding25%Earthquakes19%Strong wind7%Heat waves5%Everything else10%

By hazard

What Owensville faces

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

Drought

35% of expected damage

Recorded about 5 times a year in the area

Inland flooding

25% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 9 times a year in the area

Earthquakes

19% of expected damage

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

Strong wind

7% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 4 times a year in the area

Heat waves

5% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 8 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesWildfireLandslidesLightning

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 Owensville flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gibson County.

Disasters that hit Owensville

4 federal disasters brought FEMA money here

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

Brought FEMA money into OwensvilleDeclared for Gibson County only

2008

Severe Storms, Flooding, and Tornadoes

4 households applied for aid $11K aid approved

2005

Severe Winter Storms and Flooding

8 households applied for aid $41K aid approved

2004

Snow

$2K to the Town of Owensville for repairs

2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $2K aid approved

Gibson County has had 19 natural disasters declared since 1953, most often severe storms and floods.

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