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 moderate for a U.S. community. Flood insurance has paid 3 claims here since 2011.

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

Expected damage

How exposed is Richland?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Richland to be higher than in 43% of U.S. communities, mostly from inland flooding.

Inland flooding59%Tornadoes14%Cold waves10%Everything else18%

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

59% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 51 years in the area

Cold waves

10% 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 wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Richland flood?

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

3paid claims since 2011

$46Kpaid to owners

0homes flooded more than once

20112026

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: Madison County.

Disasters that hit Richland

Federal disasters declared here

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

Brought FEMA money into RichlandDeclared for Madison County only

Madison County has had 19 natural disasters declared since 1953, most often severe storms and winter storms.

Around Richland

Richland and the towns around it

Very lowLowModerateHighVery high

Monroemostly inland floodingModerate

Yorktownmostly inland floodingModerate

Richlandmostly inland floodingModerate

Unionmostly inland floodingLow

Andersonmostly inland floodingLow

Lafayettemostly 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 $779K 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.