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Indiana natural disaster risk

Ratings for all 92 counties, the federal disaster record and flood insurance across the state.

45major disasters since 1953 (32th most)

$2.4Bexpected losses a year

0.5%of homes with flood insurance

Photo: TheWxResearcher, CC0

Indiana has had 45 major federal disaster declarations for natural events since 1953. FEMA expects about $2.4 billion a year in losses from natural hazards across the state. Inland flooding is the costliest hazard in 92 of its 92 counties. None is rated Very High overall. About 0.5% of homes carry federal flood insurance, and the program has paid $309 million on 19,554 claims here since 1978.

Very High0counties

High2counties

Moderate9counties

Low35counties

Highest overall risk

1Marion CountyHigh

2Lake CountyHigh

3Vanderburgh CountyModerate

4Allen CountyModerate

5Hamilton CountyModerate

Lowest risk (50,000+ people)

1Boone CountyLow

2Hancock CountyLow

3Dearborn CountyLow

4Morgan CountyLow

5Howard CountyLow

Top hazards

Inland floodingtop risk in 92 counties

Recent federal declarations

All states ›

Aug 25, 2026Severe Storms, Straight-Line Winds, Tornadoes, and FloodingMajor disaster

Aug 15, 2026Severe Storms, Straight-Line Winds, Tornadoes, and FloodingEmergency

Largest counties

Marion County

977,041 people

High Inland flooding

Lake County

498,479 people

High Inland flooding

Allen County

385,219 people

Moderate Inland flooding

Hamilton County

347,343 people

Moderate Inland flooding

St. Joseph County

272,680 people

Moderate Inland flooding

Elkhart County

206,994 people

Moderate Inland flooding

Tippecanoe County

186,025 people

Moderate Inland flooding

Vanderburgh County

180,120 people

Moderate Inland flooding

Porter County

173,161 people

Moderate Inland flooding

Hendricks County

172,437 people

Low Inland flooding

Johnson County

161,668 people

Low Inland flooding

Monroe County

139,535 people

Low Inland flooding

Cities in Indiana

All 40 cities ›

Indianapolis885,860 Fort Wayne268,589 Evansville116,116 South Bend103,085 Fishers102,337 Carmel101,651 Bloomington80,049 Hammond76,768 Noblesville73,362 Lafayette71,159 Gary68,113 Greenwood66,029 Muncie64,751 Kokomo59,122 Terre Haute58,427

All 92 counties

Name	People	Overall risk	Top hazard	Declarations	Homes insured
Adams County	35,787	Low	Inland flooding	15	0.3%
Allen County	385,219	Moderate	Inland flooding	16	0.4%
Bartholomew County	82,160	Low	Inland flooding	11	1.3%
Benton County	8,719	Very Low	Inland flooding	19	0%
Blackford County	12,110	Very Low	Inland flooding	15	0.1%
Boone County	70,777	Low	Inland flooding	16	0.7%
Brown County	15,475	Very Low	Inland flooding	15	0.8%
Carroll County	20,289	Very Low	Inland flooding	16	1.9%
Cass County	37,854	Low	Inland flooding	15	0.5%
Clark County	120,950	Moderate	Inland flooding	18	1.1%
Clay County	26,463	Very Low	Inland flooding	18	0.2%
Clinton County	33,183	Very Low	Inland flooding	14	0.3%
Crawford County	10,515	Very Low	Inland flooding	19	0.3%
Daviess County	33,361	Low	Inland flooding	16	0.1%
Dearborn County	50,661	Low	Inland flooding	20	0.2%
Decatur County	26,440	Very Low	Inland flooding	14	0.2%
DeKalb County	43,222	Very Low	Inland flooding	13	0.3%
Delaware County	111,870	Low	Inland flooding	17	0.7%
Dubois County	43,629	Low	Inland flooding	14	0.2%
Elkhart County	206,994	Moderate	Inland flooding	11	0.5%
Fayette County	23,396	Very Low	Inland flooding	15	0.5%
Floyd County	80,437	Low	Inland flooding	15	0.5%
Fountain County	16,462	Very Low	Inland flooding	11	0.1%
Franklin County	22,784	Very Low	Inland flooding	22	0.3%
Fulton County	20,480	Very Low	Inland flooding	16	0.4%
Gibson County	33,008	Low	Inland flooding	20	0.2%
Grant County	66,634	Low	Inland flooding	20	0.2%
Greene County	30,764	Very Low	Inland flooding	17	0.3%
Hamilton County	347,343	Moderate	Inland flooding	19	0.4%
Hancock County	79,788	Low	Inland flooding	17	0.6%
Harrison County	39,636	Low	Inland flooding	20	0.4%
Hendricks County	172,437	Low	Inland flooding	12	0.3%
Henry County	48,893	Low	Inland flooding	18	0.2%
Howard County	83,653	Low	Inland flooding	13	0.4%
Huntington County	36,617	Very Low	Inland flooding	13	0.3%
Jackson County	46,428	Low	Inland flooding	15	0.8%
Jasper County	32,881	Very Low	Inland flooding	17	0.7%
Jay County	20,478	Very Low	Inland flooding	14	0.1%
Jefferson County	33,067	Low	Inland flooding	23	0.5%
Jennings County	27,585	Very Low	Inland flooding	16	0.2%
Johnson County	161,668	Low	Inland flooding	14	0.7%
Knox County	36,280	Low	Inland flooding	16	0.4%
Kosciusko County	80,193	Low	Inland flooding	16	1.2%
LaGrange County	40,441	Low	Inland flooding	10	0.8%
Lake County	498,479	High	Inland flooding	22	0.5%
LaPorte County	112,304	Low	Inland flooding	17	0.3%
Lawrence County	44,976	Low	Inland flooding	19	0.2%
Madison County	130,062	Low	Inland flooding	21	0.4%
Marion County	977,041	High	Inland flooding	18	0.7%
Marshall County	46,062	Very Low	Inland flooding	15	0.2%
Martin County	9,780	Very Low	Inland flooding	14	0.1%
Miami County	35,962	Low	Inland flooding	13	0.3%
Monroe County	139,535	Low	Inland flooding	14	0.4%
Montgomery County	37,923	Very Low	Inland flooding	19	0.2%
Morgan County	71,729	Low	Inland flooding	18	0.7%
Newton County	13,806	Very Low	Inland flooding	17	0.7%
Noble County	47,434	Low	Inland flooding	14	0.9%
Ohio County	5,935	Very Low	Inland flooding	17	1.1%
Orange County	19,861	Very Low	Inland flooding	17	0.3%
Owen County	21,316	Very Low	Inland flooding	18	0.4%
Parke County	16,156	Very Low	Inland flooding	18	0.2%
Perry County	19,166	Very Low	Inland flooding	21	0.5%
Pike County	12,239	Very Low	Inland flooding	20	0.1%
Porter County	173,161	Moderate	Inland flooding	14	0.2%
Posey County	25,205	Low	Inland flooding	17	0.9%
Pulaski County	12,514	Very Low	Inland flooding	16	0.7%
Putnam County	36,701	Low	Inland flooding	18	0.2%
Randolph County	24,502	Very Low	Inland flooding	18	0.5%
Ripley County	28,944	Low	Inland flooding	15	0.1%
Rush County	16,749	Very Low	Inland flooding	15	0.4%
Scott County	24,384	Very Low	Inland flooding	15	0.2%
Shelby County	45,055	Low	Inland flooding	13	1.1%
Spencer County	19,789	Very Low	Inland flooding	13	0.8%
St. Joseph County	272,680	Moderate	Inland flooding	15	0.2%
Starke County	23,365	Very Low	Inland flooding	16	0.4%
Steuben County	34,413	Very Low	Inland flooding	10	0.5%
Sullivan County	20,808	Very Low	Inland flooding	17	0%
Switzerland County	9,726	Very Low	Inland flooding	20	1%
Tippecanoe County	186,025	Moderate	Inland flooding	12	0.3%
Tipton County	15,348	Very Low	Inland flooding	15	1.7%
Union County	7,087	Very Low	Inland flooding	15	0%
Vanderburgh County	180,120	Moderate	Inland flooding	18	0.7%
Vermillion County	15,439	Very Low	Inland flooding	15	0.6%
Vigo County	106,114	Moderate	Inland flooding	14	1.2%
Wabash County	30,942	Very Low	Inland flooding	12	0.5%
Warren County	8,438	Very Low	Inland flooding	17	0.1%
Warrick County	63,877	Low	Inland flooding	18	0.5%
Washington County	28,144	Very Low	Inland flooding	18	0.1%
Wayne County	66,531	Low	Inland flooding	14	0.3%
Wells County	28,178	Very Low	Inland flooding	13	0.3%
White County	24,684	Very Low	Inland flooding	16	0.9%
Whitley County	34,144	Very Low	Inland flooding	13	0.5%

Linked names have a full page. Overall risk from the FEMA National Risk Index (December 2025); declarations are federal disaster and emergency declarations for natural events since 1953 (OpenFEMA); homes insured is the share with NFIP flood policies.