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 high for a U.S. community. Flood insurance has paid 14 claims here since 2005. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is White River?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White River to be higher than in 66% of U.S. communities, mostly from inland flooding and drought.

Inland flooding39%Drought23%Earthquakes18%Strong wind6%Everything else14%

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

39% of expected damage

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

Recorded about 9 times a year in the area

Drought

23% of expected damage

Recorded about 5 times a year in the area

Earthquakes

18% of expected damage

Well above average · higher than 84% of U.S. places

Strong wind

6% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightning

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.

14paid claims since 2005

$322Kpaid to owners

0homes flooded more than once

20052026

Biggest named events

Mid-spring storms: 7 claims, $168K
Storm: 2 claims, $53K

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: Gibson County.

Disasters that hit White River

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in White River itself: aid to households, or repair grants to the Township of White River.

Brought FEMA money into White RiverDeclared for Gibson County only

2008

Severe Storms, Flooding, and Tornadoes

$2K to the Township of White River for repairs

2005

Severe Winter Storms and Flooding

$4K to the Township of White River for repairs

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

Around White River

White River and the towns around it

Very lowLowModerateHighVery high

Mount Carmelmostly earthquakesHigh

White Rivermostly inland floodingHigh

Washingtonmostly inland floodingHigh

Patokamostly inland floodingHigh

Montgomerymostly droughtModerate

Deckermostly inland floodingModerate

Johnsonmostly inland floodingModerate

Patokamostly earthquakesModerate

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 1 census tract, 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 $2.4M 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.