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Natural hazards · Westfield

Westfield, IN natural hazards

Most of the natural-hazard damage FEMA expects in Westfield comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1982. 5 federal disasters brought FEMA money into town.

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

How exposed is Westfield?

36
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Westfield to be higher than in 36% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes25%Cold waves8%Everything else14%
By hazard

What Westfield faces

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

Inland flooding

53% of expected damage
Below average · higher than 47% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

25% of expected damage
Well above average · higher than 95% of U.S. places

Cold waves

8% of expected damage
Above average · higher than 56% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Westfield flood?

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

6paid claims since 1982
$84Kpaid to owners
2homes flooded more than once
19822026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Westfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hamilton County.
Disasters that hit Westfield

5 federal disasters brought FEMA money here

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

Brought FEMA money into WestfieldDeclared for Hamilton County only
2026

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

8 households applied for aid $1K aid approved
2014

Severe Winter Storm and Snowstorm

$55K to the City of Westfield for repairs
2005

Severe Winter Storms and Flooding

7 households applied for aid $4K aid approved
2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $1K aid approved
2003

Severe Storms, Tornadoes, and Flooding

8 households applied for aid $8K aid approved
Hamilton County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.
Around Westfield

Westfield and the towns around it

Hortonville: Low, mostly inland floodingNoblesville: Moderate, mostly inland floodingCarmel: Moderate, mostly inland floodingWestfield Washington: Low, mostly inland floodingFishers: Moderate, mostly inland floodingNoblesville: Moderate, mostly inland floodingWayne: Moderate, mostly inland floodingClay: Moderate, mostly inland floodingFall Creek: Moderate, mostly inland floodingDelaware: Low, mostly inland floodingZionsville: Low, mostly inland floodingWashington: Moderate, mostly inland floodingIndianapolis: no dataSheridan: Moderate, mostly inland floodingWestfield: Low, mostly inland flooding WestfieldHortonvilleNoblesvilleCarmelWestfield Washington
Very lowLowModerateHighVery high
Noblesvillemostly inland floodingModerate
Carmelmostly inland floodingModerate
Westfield Washingtonmostly inland floodingLow
Westfieldmostly inland floodingLow
Hortonvillemostly 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. Westfield covers 7 census tracts, combined by population.
Money that reached townFlood claims are matched to Westfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Westfield. 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 Westfield total about $16.8M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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