Natural hazards · Urbana

Urbana, IN natural hazards

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

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

Expected damage

How exposed is Urbana?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Urbana to be higher than in 44% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes19%Cold waves11%Strong wind7%Drought7%Everything else8%

By hazard

What Urbana faces

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

Inland flooding

48% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

19% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 12 years in the area

Cold waves

11% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 4 times a year in the area

Strong wind

7% of expected damage

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

Recorded about 5 times a year in the area

Drought

7% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Urbana flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Wabash County.

Disasters that hit Urbana

Federal disasters declared here

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

Brought FEMA money into UrbanaDeclared for Wabash County only

Wabash County has had 12 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. Urbana 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 Urbana’s own flood-insurance community; household aid to the registrant’s city; repair grants to Urbana. 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.