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Natural hazards · Royal Center

Royal Center, IN natural hazards

Most of the natural-hazard damage FEMA expects in Royal Center comes from inland flooding, and overall the risk is low for a U.S. community. 6 federal disasters brought FEMA money into town.

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

How exposed is Royal Center?

30
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Royal Center to be higher than in 30% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves15%Tornadoes11%Strong wind10%Everything else17%
By hazard

What Royal Center faces

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

Inland flooding

47% of expected damage
Below average · higher than 47% of U.S. places
Recorded about once every 2 years in the area

Cold waves

15% of expected damage
Above average · higher than 58% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

11% of expected damage
Above average · higher than 62% of U.S. places
Recorded about once every 19 years in the area

Strong wind

10% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 5 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 Royal Center flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Royal Center isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cass County.
Disasters that hit Royal Center

6 federal disasters brought FEMA money here

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

Brought FEMA money into Royal CenterDeclared for Cass County only
2026

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

6 households applied for aid $15K aid approved
2008

Severe Storms and Flooding

18 households applied for aid $35K aid approved $3K to the Town of Royal Center for repairs
2007

Snow

$1K to the Town of Royal Center for repairs
2003

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $6K aid approved $3K to the Town of Royal Center for repairs
2000

Snow

$1K to the Town of Royal Center for repairs
1999

In-Winter Storm 12/23/98

$2K to the Town of Royal Center for repairs
Cass County has had 14 natural disasters declared since 1953, most often winter storms and severe storms.
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. Royal Center 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 Royal Center’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Royal Center. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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