Natural hazards · Richland

Richland, IN natural hazards

Most of the natural-hazard damage FEMA expects in Richland comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2014.

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

Expected damage

How exposed is Richland?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Richland to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes27%Strong wind9%Earthquakes7%Everything else9%

By hazard

What Richland faces

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

Inland flooding

48% of expected damage

Below average · higher than 34% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

27% of expected damage

Well above average · higher than 96% of U.S. places

Strong wind

9% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

7% of expected damage

Above average · higher than 69% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightning

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 Richland flood?

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

1paid claims since 2014

$45Kpaid to owners

0homes flooded more than once

20142026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jay County.

Disasters that hit Richland

Federal disasters declared here

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

Brought FEMA money into RichlandDeclared for Jay County only

Jay County has had 13 natural disasters declared since 1953, most often winter storms and severe storms.

Around Richland

Richland and the towns around it

Very lowLowModerateHighVery high

Greenmostly inland floodingHigh

Nilesmostly inland floodingModerate

Knoxmostly inland floodingModerate

Jacksonmostly inland floodingModerate

Jeffersonmostly inland floodingLow

Richlandmostly inland floodingLow

Dunkirkmostly 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. Richland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Richland’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Richland. 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 Richland total about $732K 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.