Kokomo, Indiana: natural disaster risk
How exposed Kokomo is to floods, storms and other hazards, from FEMA and NOAA records for Howard County.
Kokomo is a city of 59,122 people in Howard County, Indiana. FEMA's National Risk Index rates Howard County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, tornado and cold wave, with about $23.4 million in expected losses a year across the county. The weather service has logged 313 storm reports in the county since 1951, including 27 tornadoes and 23 floods. About 0.4% of homes in the county carry federal flood insurance.
Risk figures are for Howard County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Kokomo
Full Howard County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $11M | |
| Tornado | $5M | |
| Cold wave | $3M | |
| Strong wind | $2M | |
| Earthquake | $1M | |
| Hail | $887K | |
| Heat wave | $875K | |
| Drought | $276K | |
| Lightning | $249K | |
| Winter weather | $180K | |
| Ice storm | $105K | |
| Hurricane | $18K |
Homes in Kokomo
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Howard County
Common questions about Kokomo
Is Kokomo safe from natural disasters?
Kokomo is in Howard County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are inland flooding, tornado, cold wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Kokomo?
By expected yearly losses in Howard County, the top hazards are inland flooding (Low), tornado (Moderate), cold wave (Moderate). Howard County has been part of 13 federal disaster or emergency declarations for natural events.
Does Kokomo get tornadoes?
Yes. NOAA records list 27 tornadoes in Howard County since 1950; the strongest was an F4 tornado on April 11, 1965. FEMA rates tornado risk in the county moderate.
Do I need flood insurance in Kokomo?
Standard home insurance does not cover floods. In Howard County, about 0.4% of homes have federal flood insurance, and FEMA rates inland flooding risk low. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.