Natural hazards · Whitestown

Whitestown, IN natural hazards

Most of the natural-hazard damage FEMA expects in Whitestown comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Whitestown?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Whitestown to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding59%Cold waves11%Tornadoes7%Strong wind6%Hail5%Everything else12%

By hazard

What Whitestown 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 53% of U.S. places

Recorded about once a year in the area

Cold waves

11% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once every 29 years in the area

Strong wind

6% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 5 times a year in the area

Hail

5% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat 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 Whitestown flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Boone County.

Disasters that hit Whitestown

4 federal disasters brought FEMA money here

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

Brought FEMA money into WhitestownDeclared for Boone County only

2014

Severe Winter Storm and Snowstorm

$22K to the Town of Whitestown for repairs

2007

Snow

$8K to the Town of Whitestown for repairs

2005

Severe Winter Storms and Flooding

5 households applied for aid $4K aid approved

2003

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $5K aid approved

Boone County has had 15 natural disasters declared since 1953, most often severe storms and winter storms.

Around Whitestown

Whitestown and the towns around it

Very lowLowModerateHighVery high

Lebanonmostly inland floodingHigh

Zionsvillemostly inland floodingLow

Whitestownmostly inland floodingLow

Worthmostly inland floodingLow

Perrymostly inland floodingVery low

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. Whitestown 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 Whitestown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Whitestown. 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.