Natural hazards · Washington

Washington, IN natural hazards

Most of the natural-hazard damage FEMA expects in Washington comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2015.

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

Expected damage

How exposed is Washington?

Low

vs. U.S. communities

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

Inland flooding46%Cold waves13%Tornadoes11%Strong wind9%Hail6%Drought5%Everything else10%

By hazard

What Washington faces

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

Inland flooding

46% of expected damage

Below average · higher than 34% of U.S. places

Recorded about once every 2 years in the area

Cold waves

13% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 18 years in the area

Strong wind

9% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 5 times a year in the area

Hail

6% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 4 times a year in the area

Drought

5% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Washington flood?

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

1paid claims since 2015

$4Kpaid to owners

0homes flooded more than once

20152026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cass County.

Disasters that hit Washington

Federal disasters declared here

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

Brought FEMA money into WashingtonDeclared for Cass County only

Cass County has had 14 natural disasters declared since 1953, most often winter storms and severe storms.

Around Washington

Washington and the towns around it

Very lowLowModerateHighVery high

Eelmostly inland floodingHigh

Washingtonmostly inland floodingHigh

Tiptonmostly inland floodingModerate

Miamimostly inland floodingModerate

Deer Creekmostly inland floodingModerate

Washingtonmostly inland floodingLow

Clintonmostly 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. Washington covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Washington’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Washington. 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 Washington total about $1.5M 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.