Natural hazards · Waverly

Waverly, IN natural hazards

Most of the natural-hazard damage FEMA expects in Waverly comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Waverly?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Waverly to be higher than in 61% of U.S. communities, mostly from inland flooding.

Inland flooding63%Tornadoes14%Cold waves6%Strong wind6%Everything else12%

By hazard

What Waverly faces

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

Inland flooding

63% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

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

Recorded about once every 30 years in the area

Cold waves

6% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 3 times a year in the area

Strong wind

6% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Waverly flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Morgan County.

Disasters that hit Waverly

1 federal disaster brought FEMA money here

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

Brought FEMA money into WaverlyDeclared for Morgan County only

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

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

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. Waverly 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 Waverly’s own flood-insurance community; household aid to the registrant’s city; repair grants to Waverly. 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.