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Natural hazards · Vernon

Vernon, IN natural hazards

Most of the natural-hazard damage FEMA expects in Vernon comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2025.

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

How exposed is Vernon?

23
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Vernon to be higher than in 23% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes24%Earthquakes5%Everything else16%
By hazard

What Vernon faces

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

Inland flooding

55% of expected damage
Below average · higher than 35% of U.S. places
Recorded about once a year in the area

Tornadoes

24% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about once every 83 years in the area

Earthquakes

5% of expected damage
Above average · higher than 62% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

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 Vernon flood?

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

1paid claims since 2025
$14Kpaid to owners
0homes flooded more than once
20252026

Biggest named events

  • Central U.S. April Flooding: 1 claim, $14K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Vernon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hancock County.
Disasters that hit Vernon

Federal disasters declared here

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

Brought FEMA money into VernonDeclared for Hancock County only
Hancock County has had 15 natural disasters declared since 1953, most often severe storms and winter storms.
Around Vernon

Vernon and the towns around it

McCordsville: Low, mostly inland floodingLawrence: Low, mostly inland floodingIndianapolis: no dataFall Creek: Moderate, mostly inland floodingGreen: Low, mostly inland floodingFishers: Moderate, mostly inland floodingBuck Creek: Low, mostly inland floodingFortville: Low, mostly inland floodingGreen: Low, mostly inland floodingWashington: Moderate, mostly inland floodingWarren: Low, mostly inland floodingLawrence: Low, mostly inland floodingDelaware: Low, mostly inland floodingPike: Moderate, mostly inland floodingZionsville: Low, mostly inland floodingBrown: High, mostly inland floodingFranklin: Low, mostly inland floodingPerry: Moderate, mostly inland floodingDecatur: Low, mostly inland floodingWayne: Moderate, mostly inland floodingNoblesville: Moderate, mostly inland floodingNoblesville: Moderate, mostly inland floodingBrown: Low, mostly inland floodingFall Creek: Low, mostly inland floodingClay: Moderate, mostly inland floodingCarmel: Moderate, mostly inland floodingSugar Creek: Moderate, mostly inland floodingPhiladelphia: Low, mostly inland floodingCumberland: Moderate, mostly inland floodingCenter: Low, mostly inland floodingStony Creek: Low, mostly inland floodingIngalls: Low, mostly inland floodingPendleton: Moderate, mostly inland floodingVernon: Low, mostly inland flooding VernonMcCordsvilleLawrenceIndianapolisFall CreekGreenFishersBuck CreekFortvilleGreen
Very lowLowModerateHighVery high
Fall Creekmostly inland floodingModerate
Fishersmostly inland floodingModerate
Greenmostly inland floodingLow
Buck Creekmostly inland floodingLow
Greenmostly inland floodingLow
Lawrencemostly inland floodingLow
Vernonmostly inland floodingLow
McCordsvillemostly inland floodingLow
Fortvillemostly 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. Vernon covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Vernon’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Vernon. 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 Vernon 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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