Natural hazards · Tipton

Tipton, IN natural hazards

Most of the natural-hazard damage FEMA expects in Tipton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 58 claims here since 1989. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Tipton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tipton to be higher than in 51% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes22%Cold waves7%Earthquakes6%Strong wind6%Everything else7%

By hazard

What Tipton faces

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

Inland flooding

52% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once a year in the area

Tornadoes

22% of expected damage

Well above average · higher than 97% of U.S. places

Cold waves

7% of expected damage

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

Recorded about 4 times a year in the area

Earthquakes

6% of expected damage

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

Strong wind

6% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Tipton flood?

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

58paid claims since 1989

$1.2Mpaid to owners

5homes flooded more than once

19892026

Biggest named events

2026-08-Indiana-Flooding: 5 claims, $116K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tipton County.

What’s been done with FEMA grants

21flood-prone properties bought out and cleared

Disasters that hit Tipton

7 federal disasters brought FEMA money here

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

Brought FEMA money into TiptonDeclared for Tipton County only

2026

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

44 households applied for aid $203K aid approved

2014

Severe Winter Storm and Snowstorm

$11K to the City of Tipton for repairs

2007

Snow

$12K to the City of Tipton for repairs

2005

Severe Winter Storms and Flooding

18 households applied for aid $12K aid approved $75K to the City of Tipton for repairs

2004

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $1K aid approved

2003

Severe Storms, Tornadoes, and Flooding

61 households applied for aid $123K aid approved

1999

In-Winter Storm 12/23/98

$5K to the City of Tipton for repairs

Tipton County has had 14 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. Tipton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Tipton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Tipton. 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 Tipton total about $1.7M 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.

Tipton, IN natural hazards

How exposed is Tipton?

What Tipton faces

Inland flooding

Tornadoes

Cold waves

Earthquakes

Strong wind

Lower here

Not a risk here

Does Tipton flood?

Biggest named events

Homes that flooded again and again

What’s been done with FEMA grants

7 federal disasters brought FEMA money here

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

Severe Winter Storm and Snowstorm

Snow

Severe Winter Storms and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Storms, Tornadoes, and Flooding

In-Winter Storm 12/23/98

How to read this page

Where to, neighbor?

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