Natural hazards · Reserve

Reserve, IN natural hazards

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

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

Expected damage

How exposed is Reserve?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Reserve to be higher than in 61% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding51%Cold waves16%Tornadoes10%Strong wind6%Drought5%Everything else13%

By hazard

What Reserve faces

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

Inland flooding

51% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 4 times a year in the area

Cold waves

16% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 18 years in the area

Strong wind

6% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 4 times a year in the area

Drought

5% of expected damage

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Reserve flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Parke County.

Disasters that hit Reserve

Federal disasters declared here

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

Brought FEMA money into ReserveDeclared for Parke County only

Parke County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.

Around Reserve

Reserve and the towns around it

Very lowLowModerateHighVery high

Reservemostly inland floodingHigh

Wabashmostly inland floodingHigh

Heltmostly inland floodingModerate

Vermillionmostly inland floodingLow

Pennmostly inland floodingLow

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