New Albany, Indiana: natural disaster risk
How exposed New Albany is to floods, storms and other hazards, from FEMA and NOAA records for Floyd County.
New Albany is a city of 37,581 people in Floyd County, Indiana. FEMA's National Risk Index rates Floyd 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 $37.4 million in expected losses a year across the county. The weather service has logged 282 storm reports in the county since 1958, including 13 tornadoes and 48 floods. NOAA hurricane records show 0 hurricanes and 1 tropical storm passing within 65 miles of the county's center. About 0.5% of homes in the county carry federal flood insurance.
Risk figures are for Floyd County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in New Albany
Full Floyd 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 | $17M | |
| Tornado | $9M | |
| Cold wave | $5M | |
| Strong wind | $3M | |
| Earthquake | $1M | |
| Heat wave | $661K | |
| Lightning | $553K | |
| Winter weather | $257K | |
| Ice storm | $228K | |
| Hail | $175K | |
| Drought | $13K | |
| Wildfire | $8K |
Homes in New Albany
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 Floyd County
Common questions about New Albany
Is New Albany safe from natural disasters?
New Albany is in Floyd 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 New Albany?
By expected yearly losses in Floyd County, the top hazards are inland flooding (Moderate), tornado (High), cold wave (Moderate). Floyd County has been part of 15 federal disaster or emergency declarations for natural events.
Does New Albany get tornadoes?
Yes. NOAA records list 13 tornadoes in Floyd County since 1950; the strongest was an F3 tornado on June 2, 1990. FEMA rates tornado risk in the county high.
Do I need flood insurance in New Albany?
Standard home insurance does not cover floods. In Floyd County, about 0.5% 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.