Natural hazards · Winamac

Winamac, IN natural hazards

Most of the natural-hazard damage FEMA expects in Winamac comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 25 claims here since 1981. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Winamac?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Winamac to be higher than in 19% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding42%Cold waves24%Tornadoes14%Strong wind7%Everything else14%

By hazard

What Winamac faces

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

Inland flooding

42% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once every 7 years in the area

Cold waves

24% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

14% of expected damage

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

Recorded about once every 88 years in the area

Strong wind

7% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Winamac flood?

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

25paid claims since 1981

$134Kpaid to owners

5homes flooded more than once

19812026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pulaski County.

Disasters that hit Winamac

9 federal disasters brought FEMA money here

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

Brought FEMA money into WinamacDeclared for Pulaski County only

2026

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

18 households applied for aid $112K aid approved

2018

Severe Storms and Flooding

5 households applied for aid $13K aid approved $5K to the Town of Winamac for repairs

2009

Severe Storms, Tornadoes, and Flooding

86 households applied for aid $290K aid approved

2008

Severe Storms and Flooding

128 households applied for aid $357K aid approved $7K to the Town of Winamac for repairs

2007

Snow

$6K to the Town of Winamac for repairs

2005

Severe Winter Storms and Flooding

5 households applied for aid $22K aid approved

2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $7K aid approved

2000

Snow

$3K to the Town of Winamac for repairs

1999

In-Winter Storm 12/23/98

$7K to the Town of Winamac for repairs

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

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

Winamac, IN natural hazards

How exposed is Winamac?

What Winamac faces

Inland flooding

Cold waves

Tornadoes

Strong wind

Lower here

Not a risk here

Does Winamac flood?

Homes that flooded again and again

9 federal disasters brought FEMA money here

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

Severe Storms and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Storms and Flooding

Snow

Severe Winter Storms and Flooding

Severe Storms, Tornadoes, and Flooding

Snow

In-Winter Storm 12/23/98

How to read this page

Where to, neighbor?

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