Natural hazards · Spiceland

Spiceland, IN natural hazards

Most of the natural-hazard damage FEMA expects in Spiceland comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2006. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Spiceland?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spiceland to be higher than in 40% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes28%Everything else17%

By hazard

What Spiceland faces

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

Inland flooding

55% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

28% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 16 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Spiceland flood?

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

1paid claims since 2006

$8Kpaid to owners

0homes flooded more than once

20062026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henry County.

Disasters that hit Spiceland

4 federal disasters brought FEMA money here

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

Brought FEMA money into SpicelandDeclared for Henry County only

2026

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

5 households applied for aid $30K aid approved

2008

Severe Storms, Flooding, and Tornadoes

3 households applied for aid $4K aid approved $2K to the Town of Spiceland for repairs

2005

Severe Winter Storms and Flooding

1 household applied for aid $2K aid approved

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

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