Natural hazards · Wood

Wood, IN natural hazards

Most of the natural-hazard damage FEMA expects in Wood comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 2008.

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

Expected damage

How exposed is Wood?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wood to be higher than in 64% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes23%Strong wind8%Cold waves7%Everything else7%

By hazard

What Wood faces

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

Inland flooding

56% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

23% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 20 years in the area

Strong wind

8% of expected damage

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

Recorded about 6 times a year in the area

Cold waves

7% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce 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 Wood flood?

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

5paid claims since 2008

$66Kpaid to owners

0homes flooded more than once

20082026

Biggest named events

Mid-spring storms: 1 claim, $1K
March storm: 1 claim, $3K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clark County.

Disasters that hit Wood

Federal disasters declared here

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

Brought FEMA money into WoodDeclared for Clark County only

Clark County has had 17 natural disasters declared since 1953, most often severe storms and floods.

Around Wood

Wood and the towns around it

Very lowLowModerateHighVery high

Jacksonmostly inland floodingHigh

Monroemostly inland floodingHigh

Polkmostly inland floodingHigh

Woodmostly inland floodingHigh

Carrmostly inland floodingHigh

Greenvillemostly inland floodingModerate

Lafayettemostly inland floodingModerate

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. Wood covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Wood’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Wood. 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 Wood total about $3.9M 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.