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Natural hazards · Patriot

Patriot, IN natural hazards

Most of the natural-hazard damage FEMA expects in Patriot comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 16 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

How exposed is Patriot?

60
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Patriot to be higher than in 60% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes23%Strong wind13%Everything else11%
By hazard

What Patriot faces

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

Inland flooding

53% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

23% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about once every 17 years in the area

Strong wind

13% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Patriot flood?

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

16paid claims since 1978
$192Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Not a named storm: 1 claim, $358
of homes in flood zones
are insured
of all homes
are insured
No community discount. Patriot isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Switzerland County.
Disasters that hit Patriot

2 federal disasters brought FEMA money here

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

Brought FEMA money into PatriotDeclared for Switzerland County only
2018

Severe Storms and Flooding

13 households applied for aid $64K aid approved
2008

Severe Storms and Flooding

17 households applied for aid $4K aid approved
Switzerland County has had 20 natural disasters declared since 1953, most often severe storms and floods.
Around Patriot

Patriot and the towns around it

Posey: High, mostly inland floodingRabbit Hash: Moderate, mostly inland floodingYork: High, mostly inland floodingCotton: High, mostly inland floodingRandolph: Moderate, mostly inland floodingPatriot: High, mostly inland flooding PatriotPosey
Very lowLowModerateHighVery high
Patriotmostly inland floodingHigh
Poseymostly inland floodingHigh
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. Patriot 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 Patriot’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Patriot. 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.

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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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