Natural hazards · Sugar Ridge

Sugar Ridge, IN natural hazards

Most of the natural-hazard damage FEMA expects in Sugar Ridge comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 7 claims here since 2005.

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

Expected damage

How exposed is Sugar Ridge?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sugar Ridge to be higher than in 43% of U.S. communities, mostly from inland flooding.

Inland flooding54%Tornadoes10%Strong wind8%Earthquakes7%Cold waves7%Drought6%Everything else8%

By hazard

What Sugar Ridge faces

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

Inland flooding

54% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 10 years in the area

Strong wind

8% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

7% of expected damage

Well above average · higher than 77% of U.S. places

Cold waves

7% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Drought

6% of expected damage

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Sugar Ridge flood?

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

7paid claims since 2005

$213Kpaid to owners

0homes flooded more than once

20052026

Biggest named events

Storm: 3 claims, $97K
Central U.S. April Flooding: 1 claim, $70K
Mid-spring storms: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clay County.

Disasters that hit Sugar Ridge

Federal disasters declared here

None of the disasters declared for Clay County shows FEMA aid or repair money reaching Sugar Ridge itself in FEMA’s records.

Brought FEMA money into Sugar RidgeDeclared for Clay County only

Clay County has had 16 natural disasters declared since 1953, most often severe storms and winter storms.

Around Sugar Ridge

Sugar Ridge and the towns around it

Very lowLowModerateHighVery high

Harrisonmostly inland floodingModerate

Sugar Ridgemostly inland floodingModerate

Perrymostly inland floodingModerate

Washingtonmostly inland floodingModerate

Saline Citymostly 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. Sugar Ridge covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Sugar Ridge’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Sugar Ridge. 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 Sugar Ridge total about $2.0M 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.