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 very low for a U.S. community. Flood insurance has paid 1 claim here since 2018.

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

Expected damage

How exposed is Union?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Union to be higher than in 11% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding44%Tornadoes20%Cold waves17%Everything else19%

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

44% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

20% of expected damage

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

Recorded about once every 40 years in the area

Cold waves

17% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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?

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

1paid claims since 2018

$70Kpaid to owners

0homes flooded more than once

20182026

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: Marshall County.

Disasters that hit Union

Federal disasters declared here

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

Brought FEMA money into UnionDeclared for Marshall County only

Marshall County has had 15 natural disasters declared since 1953, most often floods and winter storms.

Around Union

Union and the towns around it

Very lowLowModerateHighVery high

North Bendmostly inland floodingLow

Westmostly inland floodingLow

Greenmostly inland floodingVery low

Unionmostly 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. Union covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Union’s own flood-insurance community (here, the census tracts inside it); 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.

FEMA’s expected losses across Union total about $1.1M 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.