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 2 claims here since 2011.

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

Expected damage

How exposed is White River?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White River to be higher than in 46% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding59%Tornadoes25%Strong wind6%Earthquakes5%Everything else5%

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

59% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once a year in the area

Tornadoes

25% of expected damage

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

Strong wind

6% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

5% of expected damage

Above average · higher than 66% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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.

2paid claims since 2011

$62Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

Central U.S. April Flooding: 1 claim, $60K

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: Randolph County.

Disasters that hit White River

Federal disasters declared here

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

Brought FEMA money into White RiverDeclared for Randolph County only

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

Around White River

White River and the towns around it

Very lowLowModerateHighVery high

Monroemostly inland floodingHigh

Wardmostly inland floodingModerate

White Rivermostly inland floodingModerate

Stoney Creekmostly inland floodingModerate

Washingtonmostly inland floodingModerate

Unionmostly inland floodingModerate

Greensforkmostly inland floodingLow

Waynemostly 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. White River covers 2 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 $2.2M 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.