Natural hazards · Swan

Swan, IN natural hazards

Most of the natural-hazard damage FEMA expects in Swan comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2009.

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

Expected damage

How exposed is Swan?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Swan to be higher than in 24% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes21%Cold waves10%Strong wind10%Everything else14%

By hazard

What Swan faces

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

Inland flooding

45% of expected damage

Below average · higher than 29% of U.S. places

Recorded about once every 9 years in the area

Tornadoes

21% of expected damage

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

Recorded about once every 25 years in the area

Cold waves

10% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 4 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Swan flood?

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

1paid claims since 2009

$25Kpaid to owners

0homes flooded more than once

20092026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Noble County.

Disasters that hit Swan

Federal disasters declared here

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

Brought FEMA money into SwanDeclared for Noble County only

Noble County has had 14 natural disasters declared since 1953, most often severe storms and winter storms.

Around Swan

Swan and the towns around it

Very lowLowModerateHighVery high

Butlermostly inland floodingLow

Greenmostly inland floodingLow

Keysermostly inland floodingLow

Swanmostly inland floodingLow

Allenmostly inland floodingVery low

Eel Rivermostly inland floodingVery low

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. Swan covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Swan’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Swan. 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 Swan total about $1.8M 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.