Natural hazards · Versailles

Versailles, IN natural hazards

Most of the natural-hazard damage FEMA expects in Versailles comes from inland flooding, and overall the risk is low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Versailles?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Versailles to be higher than in 34% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding39%Tornadoes31%Strong wind12%Cold waves6%Earthquakes6%Everything else7%

By hazard

What Versailles faces

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

Inland flooding

39% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

31% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 36 years in the area

Strong wind

12% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 5 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 69% of U.S. places

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 Versailles flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ripley County.

Disasters that hit Versailles

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Versailles itself: aid to households, or repair grants to the Town of Versailles.

Brought FEMA money into VersaillesDeclared for Ripley County only

2012

Severe Storms, Straight-Line Winds, and Tornadoes

1 household applied for aid

2008

Severe Storms and Flooding

31 households applied for aid $4K aid approved

2008

Severe Storms, Flooding, and Tornadoes

3 households applied for aid $3K aid approved

2005

Severe Winter Storms and Flooding

2 households applied for aid

2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $337 aid approved

Ripley County has had 15 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. Versailles 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 Versailles’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Versailles. 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.