Natural hazards · Indiana

Indiana, PA natural hazards

Most of the natural-hazard damage FEMA expects in Indiana comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 109 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Indiana?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Indiana to be higher than in 9% of U.S. communities, mostly from inland flooding.

Inland flooding68%Cold waves9%Lightning6%Tornadoes6%Everything else11%

By hazard

What Indiana faces

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

Inland flooding

68% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

9% of expected damage

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

Recorded about 4 times a year in the area

Lightning

6% of expected damage

Below average · higher than 27% of U.S. places

Tornadoes

6% of expected damage

Below average · higher than 41% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

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 Indiana flood?

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

109paid claims since 1979

$496Kpaid to owners

18homes flooded more than once

19792026

Biggest named events

Tropical Storm Ivan: 24 claims, $120K
Hurricane Ida: 2 claims, $4K

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. Indiana isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Indiana County.

What’s been done with FEMA grants

8flood-prone properties bought out and cleared

Disasters that hit Indiana

1 federal disaster brought FEMA money here

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

Brought FEMA money into IndianaDeclared for Indiana County only

2004

Tropical Depression Ivan

90 households applied for aid $154K aid approved

Indiana County has had 16 natural disasters declared since 1953, most often floods and hurricanes.

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. Indiana covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Indiana’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Indiana. 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 Indiana total about $1.3M 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.