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Indiana · Risk Readiness
What's actually likely where you live.
Before the emergency — maps, tools, and the honest picture of what Indiana throws at different parts of the state.
See IN hazardsIN hazard profile
Primary hazards. Ranked.
Indiana averages 22 tornadoes per year. The April 3, 1974 Super Outbreak produced multiple significant tornadoes across the state. The September 2016 Kokomo EF-3 caused widespread damage in an urban area. Central and southern Indiana are the most active zones. Spring season (April–June) is peak. Lake-effect-enhanced supercells can affect northern Indiana from November through May. The Ohio River defines Indiana's southern border and floods significantly in major rain events. The 1937 Ohio River flood was catastrophic — hundreds of thousands displaced across several states. The White, Wabash, and Tippecanoe rivers flood regularly. Indianapolis's urban streams flash-flood during heavy rain events. Flood insurance gaps are widespread in river communities. Northwestern Indiana — the South Shore and Michiana region — is in the direct path of Lake Michigan lake-effect snowbands. South Bend averages 70+ inches of snow annually; some years exceed 100 inches. The region can receive 12-18 inches in a single lake-effect event. I-80/94 and the Indiana Toll Road close regularly in winter. The rest of the state also experiences significant blizzards from major winter systems.
Tornadoes
Occur across most of the state, often embedded in severe thunderstorm lines and tropical systems.
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Flooding
Flash floods, river flooding, and coastal surge affect low-lying areas and river corridors.
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Winter ice & snow storms
Ice accumulation causes prolonged power outages and road closures across the state.
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Severe thunderstorms
Damaging straight-line winds, large hail, and lightning — March through October.
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Earthquakes
Seismic activity along fault systems creates significant ground-shaking risk.
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Official tools
Look up your address. Know your risk.
FEMA Flood Zone Lookup
Enter your address to see your flood zone designation and insurance requirements.
Source: FEMA
USGS Earthquake Map
Real-time earthquake activity and seismic hazard maps for your region.
Source: USGS
Wildfire Risk Score
Your property's wildfire exposure score based on vegetation, terrain, and proximity to wildland.
Source: USFS
River Gauges
Real-time river levels and flood stage by county.
Source: USGS WaterWatch
Drought Monitor
Weekly drought conditions by county.
Source: US Drought Monitor
Private Well Resources
Water quality guidance for households on private wells.
Source: EPA
Insurance gaps
What your homeowner's policy doesn't cover.
Standard homeowner's policies in Indiana exclude flood damage. Flood insurance through the NFIP has a 30-day waiting period — it cannot be purchased when a storm is forecast. Check your declarations page annually to confirm your coverage limits and deductibles.
Not in your standard policy
Flood damage — requires NFIP or private flood policy
Earthquake damage — requires separate endorsement
Sewer & drain backup — requires endorsement ($50–$100/yr)
Landslide / mudflow — generally excluded
Next steps
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During an emergency
Find alerts, contacts, and shelters.
NC emergency contacts, alert signups, and real-time information.
Local EmergencyGet prepared
Run through the IN checklist.
Step-by-step actions based on the hazards that apply to Indiana.
IN Checklists