Natural hazards · Williams

Williams, IN natural hazards

Most of the natural-hazard damage FEMA expects in Williams comes from inland flooding, and overall the risk is high 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 Williams?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Williams to be higher than in 61% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding62%Tornadoes16%Strong wind7%Everything else15%

By hazard

What Williams faces

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

Inland flooding

62% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 16 years in the area

Strong wind

7% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 5 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 Williams flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lawrence County.

Disasters that hit Williams

4 federal disasters brought FEMA money here

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

Brought FEMA money into WilliamsDeclared for Lawrence County only

2009

Severe Storms, Tornadoes, and Flooding

14 households applied for aid $8K aid approved

2008

Severe Storms and Flooding

5 households applied for aid

2008

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $23K aid approved

2005

Severe Winter Storms and Flooding

18 households applied for aid $142K aid approved

Lawrence County has had 19 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. Williams 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 Williams’s own flood-insurance community; household aid to the registrant’s city; repair grants to Williams. 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.