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 10 claims here since 1998.

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 16% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding40%Cold waves18%Strong wind11%Tornadoes10%Earthquakes8%Hail5%Everything else8%

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

40% of expected damage

Below average · higher than 25% of U.S. places

Recorded about once a year in the area

Cold waves

18% of expected damage

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

Recorded about 4 times a year in the area

Strong wind

11% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

10% of expected damage

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

Recorded about once every 64 years in the area

Earthquakes

8% of expected damage

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

Hail

5% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce 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 Union flood?

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

10paid claims since 1998

$174Kpaid to owners

0homes flooded more than once

19982026

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: Montgomery County.

Disasters that hit Union

Federal disasters declared here

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

Brought FEMA money into UnionDeclared for Montgomery County only

Montgomery County has had 18 natural disasters declared since 1953, most often severe storms and winter storms.

Around Union

Union and the towns around it

Very lowLowModerateHighVery high

Waynemostly inland floodingLow

Walnutmostly inland floodingLow

Linnsburgmostly inland floodingLow

Franklinmostly inland floodingLow

Ripleymostly inland floodingLow

Brownmostly inland floodingLow

Unionmostly inland floodingVery low

Scottmostly inland floodingVery low

Madisonmostly inland floodingVery low

Coal Creekmostly 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 4 census tracts, 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 $6.3M 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.