Valparaiso, IN natural hazards
Most of the natural-hazard damage FEMA expects in Valparaiso comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 42 claims here since 1981. 7 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Valparaiso?
FEMA expects yearly storm and flood damage to homes and buildings in Valparaiso to be higher than in 9% of U.S. communities, mostly from inland flooding and cold waves.
What Valparaiso faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Cold waves
Tornadoes
Strong wind
Lower here
Not a risk here
Does Valparaiso flood?
Every paid claim on a federal flood insurance policy in Valparaiso, from FEMA’s records.
Biggest named events
- Hurricane Ike: 2 claims, $53K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times
are insured
are insured
7 federal disasters brought FEMA money here
Disasters the President declared that paid out in Valparaiso itself: aid to households, or repair grants to the City of Valparaiso.
Severe Storms, Straight-Line Winds, Tornadoes, and Flooding
Severe Storms and Flooding
Severe Storms and Flooding
Severe Winter Storms and Flooding
Severe Storms, Tornadoes, and Flooding
Snow
In-Winter Storm 12/23/98
How to read this page
FEMA’s expected losses across Valparaiso total about $7.7M 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.