Natural hazards · Stone Bluff

Stone Bluff, IN natural hazards

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

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

Expected damage

How exposed is Stone Bluff?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stone Bluff to be higher than in 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding28%Cold waves27%Tornadoes11%Strong wind10%Lightning6%Earthquakes6%Everything else13%

By hazard

What Stone Bluff faces

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

Inland flooding

28% of expected damage

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

Recorded about 4 times a year in the area

Cold waves

27% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 14 years in the area

Strong wind

10% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 5 times a year in the area

Lightning

6% of expected damage

Above average · higher than 51% of U.S. places

Earthquakes

6% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesDrought

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 Stone Bluff flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fountain County.

Disasters that hit Stone Bluff

Federal disasters declared here

None of the disasters declared for Fountain County shows FEMA aid or repair money reaching Stone Bluff itself in FEMA’s records.

Brought FEMA money into Stone BluffDeclared for Fountain County only

Fountain County has had 10 natural disasters declared since 1953, most often severe storms and winter 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. Stone Bluff 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 Stone Bluff’s own flood-insurance community; household aid to the registrant’s city; repair grants to Stone Bluff. 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.