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Natural hazards · White River

White River, IN natural hazards

Most of the natural-hazard damage FEMA expects in White River comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 31 claims here since 1979.

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

How exposed is White River?

53
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White River to be higher than in 53% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding60%Tornadoes19%Strong wind6%Everything else15%
By hazard

What White River faces

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

Inland flooding

60% of expected damage
Above average · higher than 64% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

19% of expected damage
Well above average · higher than 97% of U.S. places

Strong wind

6% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 White River flood?

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

31paid claims since 1979
$756Kpaid to owners
0homes flooded more than once
19792026

Biggest named events

  • Storm: 18 claims, $559K
  • Central U.S. April Flooding: 1 claim, $12K
of homes in flood zones
are insured
of all homes
are insured
No community discount. White River isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Johnson County.
Disasters that hit White River

Federal disasters declared here

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

Brought FEMA money into White RiverDeclared for Johnson County only
Johnson County has had 14 natural disasters declared since 1953, most often severe storms and winter storms.
Around White River

White River and the towns around it

Bargersville: Moderate, mostly inland floodingHarrison: High, mostly inland floodingUnion: Moderate, mostly inland floodingIndianapolis: no dataPerry: Moderate, mostly inland floodingMadison: Moderate, mostly inland floodingPleasant: Moderate, mostly inland floodingGreenwood: Moderate, mostly inland floodingGreen: High, mostly inland floodingHensley: Moderate, mostly inland floodingFranklin: Moderate, mostly inland floodingLawrence: Low, mostly inland floodingPike: Moderate, mostly inland floodingZionsville: Low, mostly inland floodingLawrence: Low, mostly inland floodingBrown: High, mostly inland floodingFranklin: Low, mostly inland floodingDecatur: Low, mostly inland floodingVernon: Low, mostly inland floodingMcCordsville: Low, mostly inland floodingWashington: Moderate, mostly inland floodingWarren: Low, mostly inland floodingCenter: Moderate, mostly inland floodingBeech Grove: Low, mostly inland floodingBrown: Moderate, mostly inland floodingClay: High, mostly inland floodingMooresville: Moderate, mostly inland floodingClark: Low, mostly inland floodingWhiteland: Moderate, mostly inland floodingWhite River: Moderate, mostly inland flooding White RiverBargersvilleHarrisonUnionIndianapolisPerryMadisonPleasantGreenwood
Very lowLowModerateHighVery high
Harrisonmostly inland floodingHigh
Unionmostly inland floodingModerate
White Rivermostly inland floodingModerate
Bargersvillemostly inland floodingModerate
Perrymostly inland floodingModerate
Pleasantmostly inland floodingModerate
Greenwoodmostly inland floodingModerate
Madisonmostly 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. White River covers 9 census tracts, combined by population.
Money that reached townFlood claims are matched to White River’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of White River. 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 White River total about $18.9M 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/15 · 2025-01-01
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