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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 7 claims here since 1982. 6 federal disasters brought FEMA money into town.

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

How exposed is Peru?

94
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Peru to be higher than in 94% of U.S. communities, mostly from inland flooding.

Inland flooding83%Cold waves5%Everything else12%
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

83% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 3 years in the area

Cold waves

5% of expected damage
Above average · higher than 58% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Peru flood?

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

7paid claims since 1982
$13Kpaid to owners
1homes flooded more than once
19822026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

6 federal disasters brought FEMA money here

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

Brought FEMA money into PeruDeclared for Miami County only
2007

Snow

$20K to the City of Peru for repairs
2005

Severe Winter Storms and Flooding

5 households applied for aid $6K aid approved
2004

Severe Storms, Tornadoes, and Flooding

161 households applied for aid $153K aid approved $48K to the City of Peru for repairs
2003

Severe Storms, Tornadoes, and Flooding

83 households applied for aid $137K aid approved $6K to the City of Peru for repairs
2000

Snow

$14K to the City of Peru for repairs
1999

In-Winter Storm 12/23/98

$14K to the City of Peru for repairs
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

Peru: Very high, mostly inland floodingWashington: High, mostly inland floodingPipe Creek: Low, mostly inland floodingJefferson: Moderate, mostly inland floodingButler: Moderate, mostly inland floodingMiami: Moderate, mostly inland floodingErie: Moderate, mostly inland floodingTipton: Moderate, mostly inland floodingRichland: Low, mostly inland floodingClay: Moderate, mostly inland floodingDeer Creek: Moderate, mostly inland floodingPeru: Very high, mostly inland flooding PeruPeruWashingtonPipe Creek
Very lowLowModerateHighVery high
Perumostly inland floodingVery high
Perumostly inland floodingVery high
Washingtonmostly inland floodingHigh
Pipe Creekmostly 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 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Peru’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City 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 $4.4M 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/18 · 2025-01-01
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