Natural hazards · Webster

Webster, IN natural hazards

Most of the natural-hazard damage FEMA expects in Webster comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Webster?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Webster to be higher than in 58% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes26%Cold waves8%Strong wind6%Everything else10%

By hazard

What Webster faces

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

Inland flooding

50% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

26% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 20 years in the area

Cold waves

8% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 6 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 Webster flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Harrison County.

Disasters that hit Webster

Federal disasters declared here

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

Brought FEMA money into WebsterDeclared for Harrison County only

Harrison County has had 19 natural disasters declared since 1953, most often severe storms and floods.

Around Webster

Webster and the towns around it

Very lowLowModerateHighVery high

Poseymostly inland floodingHigh

Webstermostly inland floodingModerate

Franklinmostly inland floodingModerate

Harrisonmostly inland floodingModerate

Boonemostly inland floodingModerate

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