Natural hazards · Railroad

Railroad, IN natural hazards

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

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

Expected damage

How exposed is Railroad?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Railroad to be higher than in 25% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding38%Cold waves25%Tornadoes21%Strong wind8%Everything else8%

By hazard

What Railroad faces

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

Inland flooding

38% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once every 9 years in the area

Cold waves

25% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 30 years in the area

Strong wind

8% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 5 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 Railroad flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Starke County.

Disasters that hit Railroad

Federal disasters declared here

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

Brought FEMA money into RailroadDeclared for Starke County only

Starke County has had 15 natural disasters declared since 1953, most often winter storms and floods.

Around Railroad

Railroad and the towns around it

Very lowLowModerateHighVery high

Deweymostly inland floodingHigh

Kankakeemostly inland floodingLow

Walkermostly inland floodingLow

Railroadmostly inland floodingLow

Cassmostly inland floodingVery low

Waynemostly inland floodingVery low

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. Railroad covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Railroad’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Railroad. 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 Railroad total about $1.5M 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.