Natural hazards · Saratoga

Saratoga, IN natural hazards

Most of the natural-hazard damage FEMA expects in Saratoga comes from inland flooding, 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 Saratoga?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Saratoga to be higher than in 59% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding68%Tornadoes19%Everything else14%

By hazard

What Saratoga faces

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

Inland flooding

68% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 15 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Saratoga flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Randolph County.

Disasters that hit Saratoga

3 federal disasters brought FEMA money here

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

Brought FEMA money into SaratogaDeclared for Randolph County only

2008

Severe Storms, Flooding, and Tornadoes

1 household applied for aid

2005

Severe Winter Storms and Flooding

12 households applied for aid $7K aid approved $28K to the Town of Saratoga for repairs

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

Randolph County has had 16 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. Saratoga 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 Saratoga’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Saratoga. 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.