Natural hazards · Utica

Utica, IN natural hazards

Most of the natural-hazard damage FEMA expects in Utica comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 61 claims here since 1997.

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

Expected damage

How exposed is Utica?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Utica to be higher than in 43% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding54%Tornadoes24%Strong wind8%Earthquakes6%Cold waves5%Everything else3%

By hazard

What Utica 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

Above average · higher than 54% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

24% of expected damage

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

Strong wind

8% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 6 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 72% of U.S. places

Cold waves

5% 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 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 Utica flood?

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

61paid claims since 1997

$2.8Mpaid to owners

0homes flooded more than once

19972026

Biggest named events

Central U.S. April Flooding: 40 claims, $2.1M
Mid-spring storms: 1 claim, $1K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Utica 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 Utica

Federal disasters declared here

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

Brought FEMA money into UticaDeclared for Clark County only

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

Around Utica

Utica and the towns around it

Very lowLowModerateHighVery high

Jeffersonvillemostly inland floodingHigh

Jeffersonvillemostly inland floodingModerate

Silver Creekmostly inland floodingModerate

Uticamostly inland floodingModerate

Charlestownmostly inland floodingModerate

Charlestownmostly 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. Utica covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Utica’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Utica. 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 Utica total about $5.1M 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.