Natural hazards · Spice Valley

Spice Valley, IN natural hazards

Most of the natural-hazard damage FEMA expects in Spice Valley comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Spice Valley?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spice Valley to be higher than in 61% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding62%Tornadoes16%Strong wind7%Everything else15%

By hazard

What Spice Valley faces

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

Inland flooding

62% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 16 years in the area

Strong wind

7% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Spice Valley flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lawrence County.

Disasters that hit Spice Valley

Federal disasters declared here

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

Brought FEMA money into Spice ValleyDeclared for Lawrence County only

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

Around Spice Valley

Spice Valley and the towns around it

Very lowLowModerateHighVery high

Halbertmostly inland floodingHigh

Mitcheltreemostly inland floodingHigh

Spice Valleymostly inland floodingHigh

Indian Creekmostly inland floodingModerate

Northwestmostly inland floodingModerate

Marionmostly inland floodingModerate

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. Spice Valley covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Spice Valley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Spice Valley. 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 Spice Valley total about $1.1M 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.