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 low for a U.S. community. Flood insurance has paid 17 claims here since 1985.

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

Expected damage

How exposed is Union?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Union to be higher than in 33% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves19%Tornadoes12%Strong wind6%Everything else12%

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

52% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once every 2 years in the area

Cold waves

19% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

12% of expected damage

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

Strong wind

6% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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.

17paid claims since 1985

$417Kpaid to owners

0homes flooded more than once

19852026

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: White County.

Disasters that hit Union

Federal disasters declared here

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

Brought FEMA money into UnionDeclared for White County only

White County has had 16 natural disasters declared since 1953, most often severe storms and winter storms.

Around Union

Union and the towns around it

Very lowLowModerateHighVery high

Jeffersonmostly inland floodingHigh

Libertymostly inland floodingHigh

Lincolnmostly inland floodingModerate

Mononmostly inland floodingModerate

Unionmostly inland floodingLow

Monticellomostly inland floodingLow

Big Creekmostly inland floodingLow

Honey Creekmostly inland floodingLow

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 2 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 $3.7M 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.