Natural hazards · Union

Union, IN natural hazards

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

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

Expected damage

How exposed is Union?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Union to be higher than in 65% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding54%Tornadoes25%Strong wind8%Cold waves7%Everything else7%

By hazard

What Union 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

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

Recorded about 2 times a year in the area

Tornadoes

25% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 29 years in the area

Strong wind

8% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 5 times a year in the area

Cold waves

7% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once 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 Union flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clark County.

Disasters that hit Union

Federal disasters declared here

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

Brought FEMA money into UnionDeclared for Clark County only

Clark County has had 17 natural disasters declared since 1953, most often severe storms and floods.

Around Union

Union and the towns around it

Very lowLowModerateHighVery high

Monroemostly inland floodingHigh

Unionmostly inland floodingHigh

Carrmostly inland floodingHigh

Sellersburgmostly inland floodingModerate

Silver Creekmostly inland floodingModerate

Charlestownmostly 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. Union 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 Union’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Union. 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.