Natural hazards · Richland

Richland, IN natural hazards

Most of the natural-hazard damage FEMA expects in Richland comes from earthquakes, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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 54% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes34%Inland flooding33%Tornadoes11%Strong wind7%Everything else14%

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.

Earthquakes

34% of expected damage

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

Inland flooding

33% of expected damage

Below average · higher than 28% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 18 years in the area

Strong wind

7% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

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?

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

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: Spencer County.

Disasters that hit Richland

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Richland itself: aid to households, or repair grants to the Town of Richland.

Brought FEMA money into RichlandDeclared for Spencer County only

2018

Severe Storms and Flooding

5 households applied for aid $34K aid approved

2008

Severe Storms and Flooding

8 households applied for aid $31K aid approved

2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid

Spencer County has had 12 natural disasters declared since 1953, most often severe storms and floods.

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 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 Richland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Richland. 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.

Richland, IN natural hazards

How exposed is Richland?

What Richland faces

Earthquakes

Inland flooding

Tornadoes

Strong wind

Lower here

Not a risk here

Does Richland flood?

3 federal disasters brought FEMA money here

Severe Storms and Flooding

Severe Storms and Flooding

Severe Storms, Tornadoes, and Flooding

How to read this page

Where to, neighbor?

Matches

Nearby