Natural hazards · Westphalia

Westphalia, IN natural hazards

Most of the natural-hazard damage FEMA expects in Westphalia comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Westphalia?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Westphalia to be higher than in 48% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding46%Earthquakes19%Drought12%Tornadoes9%Everything else15%

By hazard

What Westphalia 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

Above average · higher than 51% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

19% of expected damage

Well above average · higher than 82% of U.S. places

Drought

12% of expected damage

Recorded about 3 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 13 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

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 Westphalia flood?

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

of all homes
are insured

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

Insurance rates: Knox County.

Disasters that hit Westphalia

2 federal disasters brought FEMA money here

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

Brought FEMA money into WestphaliaDeclared for Knox County only

2008

Severe Storms, Flooding, and Tornadoes

32 households applied for aid $94K aid approved

2005

Severe Winter Storms and Flooding

3 households applied for aid $4K aid approved

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