Natural hazards · Palmyra

Palmyra, IN natural hazards

Most of the natural-hazard damage FEMA expects in Palmyra comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2019. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Palmyra?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Palmyra to be higher than in 54% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes29%Cold waves9%Strong wind7%Everything else12%

By hazard

What Palmyra faces

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

Inland flooding

43% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

29% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 18 years 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

Strong wind

7% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 6 times 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 Palmyra flood?

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

3paid claims since 2019

$66Kpaid to owners

0homes flooded more than once

20192026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Harrison County.

Disasters that hit Palmyra

4 federal disasters brought FEMA money here

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

Brought FEMA money into PalmyraDeclared for Harrison County only

2018

Severe Storms and Flooding

11 households applied for aid $5K aid approved

2008

Severe Storms and Flooding

99 households applied for aid $21K aid approved

2005

Severe Winter Storms and Flooding

3 households applied for aid $7K aid approved

2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $2K aid approved

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

Palmyra, IN natural hazards

How exposed is Palmyra?

What Palmyra faces

Inland flooding

Tornadoes

Cold waves

Strong wind

Lower here

Not a risk here

Does Palmyra flood?

4 federal disasters brought FEMA money here

Severe Storms and Flooding

Severe Storms and Flooding

Severe Winter Storms and Flooding

Severe Storms, Tornadoes, and Flooding

How to read this page

Where to, neighbor?

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