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Natural hazards · Peru

Peru, IN natural hazards

Most of the natural-hazard damage FEMA expects in Peru comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 1998. 3 federal disasters brought FEMA money into town.

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

How exposed is Peru?

87
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Peru to be higher than in 87% of U.S. communities, mostly from inland flooding.

Inland flooding77%Tornadoes6%Cold waves6%Everything else10%
By hazard

What Peru faces

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

Inland flooding

77% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about once every 3 years in the area

Tornadoes

6% of expected damage
Above average · higher than 74% of U.S. places

Cold waves

6% of expected damage
Above average · higher than 58% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Peru flood?

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

1paid claims since 1998
$435paid to owners
0homes flooded more than once
19982026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Peru isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Miami County.
Disasters that hit Peru

3 federal disasters brought FEMA money here

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

Brought FEMA money into PeruDeclared for Miami County only
2005

Severe Winter Storms and Flooding

4 households applied for aid $6K aid approved
2004

Severe Storms, Tornadoes, and Flooding

161 households applied for aid $153K aid approved
2003

Severe Storms, Tornadoes, and Flooding

81 households applied for aid $137K aid approved
Miami County has had 13 natural disasters declared since 1953, most often severe storms and winter storms.
Around Peru

Peru and the towns around it

Pipe Creek: Low, mostly inland floodingWashington: High, mostly inland floodingJefferson: Moderate, mostly inland floodingButler: Moderate, mostly inland floodingPeru: Very high, mostly inland floodingMiami: Moderate, mostly inland floodingErie: Moderate, mostly inland floodingTipton: Moderate, mostly inland floodingRichland: Low, mostly inland floodingDeer Creek: Moderate, mostly inland floodingClay: Moderate, mostly inland floodingUnion: Low, mostly inland floodingAdams: Very low, mostly inland floodingHarrison: Moderate, mostly inland floodingWaltz: Moderate, mostly inland floodingNoble: Moderate, mostly inland floodingClay: Very low, mostly inland floodingEel: High, mostly inland floodingWashington: Low, mostly inland floodingJackson: Moderate, mostly inland floodingPerry: Low, mostly inland floodingPeru: Very high, mostly inland flooding PeruPipe CreekWashingtonJeffersonButlerPeruMiamiErieTiptonRichland
Very lowLowModerateHighVery high
Perumostly inland floodingVery high
Perumostly inland floodingVery high
Washingtonmostly inland floodingHigh
Miamimostly inland floodingModerate
Tiptonmostly inland floodingModerate
Butlermostly inland floodingModerate
Jeffersonmostly inland floodingModerate
Eriemostly inland floodingModerate
Pipe Creekmostly inland floodingLow
Richlandmostly 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. Peru covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Peru’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Peru. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Peru total about $5.3M a year, counting buildings, people and crops.

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/15 · 2025-01-01
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