Muncie, Indiana: natural disaster risk
How exposed Muncie is to floods, storms and other hazards, from FEMA and NOAA records for Delaware County.
Muncie is a city of 64,751 people in Delaware County, Indiana. FEMA's National Risk Index rates Delaware County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are inland flooding, tornado and earthquake, with about $33.6 million in expected losses a year across the county. The weather service has logged 456 storm reports in the county since 1954, including 25 tornadoes and 60 floods. About 0.7% of homes in the county carry federal flood insurance.
Risk figures are for Delaware County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Muncie
Full Delaware 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.
- Ask whether an older house is bolted to its foundation.
- Consider separate earthquake insurance where risk is high.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $21M | |
| Tornado | $7M | |
| Earthquake | $2M | |
| Hail | $1M | |
| Cold wave | $885K | |
| Strong wind | $802K | |
| Lightning | $575K | |
| Heat wave | $172K | |
| Winter weather | $152K | |
| Ice storm | $104K | |
| Drought | $88K | |
| Hurricane | $15K |
Homes in Muncie
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 Delaware County
Common questions about Muncie
Is Muncie safe from natural disasters?
Muncie is in Delaware County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are inland flooding, tornado, earthquake. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Muncie?
By expected yearly losses in Delaware County, the top hazards are inland flooding (Moderate), tornado (High), earthquake (Low). Delaware County has been part of 17 federal disaster or emergency declarations for natural events.
Does Muncie get tornadoes?
Yes. NOAA records list 25 tornadoes in Delaware County since 1950; the strongest was an F4 tornado on April 3, 1974. FEMA rates tornado risk in the county high.
Do I need flood insurance in Muncie?
Standard home insurance does not cover floods. In Delaware County, about 0.7% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.