Natural hazards · Ray

Ray, IN natural hazards

Most of the natural-hazard damage FEMA expects in Ray comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 6 claims here since 2009.

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

Expected damage

How exposed is Ray?

High

vs. U.S. communities

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

Inland flooding57%Tornadoes20%Strong wind9%Cold waves7%Everything else7%

By hazard

What Ray faces

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

Inland flooding

57% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 21 years in the area

Strong wind

9% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 4 times a year in the area

Cold waves

7% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Ray flood?

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

6paid claims since 2009

$195Kpaid to owners

0homes flooded more than once

20092026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Franklin County.

Disasters that hit Ray

Federal disasters declared here

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

Brought FEMA money into RayDeclared for Franklin County only

Franklin County has had 21 natural disasters declared since 1953, most often severe storms and floods.

Around Ray

Ray and the towns around it

Very lowLowModerateHighVery high

Raymostly inland floodingHigh

Salt Creekmostly inland floodingHigh

Butlermostly inland floodingModerate

Saltcreekmostly inland floodingModerate

Fugitmostly inland floodingModerate

Laugherymostly inland floodingLow

Adamsmostly 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. Ray covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ray’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Ray. 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 Ray total about $2.4M 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.