Natural hazards · Penn

Penn, IN natural hazards

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

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

Expected damage

How exposed is Penn?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Penn to be higher than in 45% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes22%Strong wind8%Cold waves6%Everything else9%

By hazard

What Penn faces

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

Inland flooding

56% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

22% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 12 years in the area

Strong wind

8% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 5 times a year in the area

Cold waves

6% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Penn flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jay County.

Disasters that hit Penn

Federal disasters declared here

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

Brought FEMA money into PennDeclared for Jay County only

Jay County has had 13 natural disasters declared since 1953, most often winter storms and severe storms.

Around Penn

Penn and the towns around it

Very lowLowModerateHighVery high

Pennmostly inland floodingModerate

Knoxmostly inland floodingModerate

Harrisonmostly inland floodingLow

Jacksonmostly inland floodingLow

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