Natural hazards · Ward

Ward, IN natural hazards

Most of the natural-hazard damage FEMA expects in Ward comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 2017.

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

Expected damage

How exposed is Ward?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ward to be higher than in 59% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding68%Tornadoes19%Everything else14%

By hazard

What Ward faces

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

Inland flooding

68% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

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

Recorded about once every 15 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Ward flood?

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

4paid claims since 2017

$21Kpaid to owners

0homes flooded more than once

20172026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Randolph County.

Disasters that hit Ward

Federal disasters declared here

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

Brought FEMA money into WardDeclared for Randolph County only

Randolph County has had 16 natural disasters declared since 1953, most often winter storms and severe storms.

Around Ward

Ward and the towns around it

Very lowLowModerateHighVery high

Franklinmostly inland floodingHigh

Wardmostly inland floodingModerate

Jacksonmostly inland floodingModerate

White Rivermostly inland floodingModerate

Pikemostly 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. Ward covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ward’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Ward. 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 Ward total about $1.1M 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.