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Indiantown, Florida - panoramioPhoto: Idawriter · CC BY-SA 3.0
DHazard risk
Natural hazards in Indiantown · FEMA

On FEMA’s figures, Indiantown faces more hazard damage per building than 93% of U.S. towns, mostly from hurricanes

On FEMA’s National Risk Index, Indiantown gets a D for hazard risk: higher expected damage per building than 93% of U.S. towns, #532 of 638 in Florida. Most of that expected damage is hurricanes (80%), then river and rain flooding (14%). FEMA’s files show no paid flood insurance claims here.

Hurricanes 80%River and rain flooding 14%Wildfire 3%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 93%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#532 of 638 in Florida
Hazard risk
D#532 of 638
in Florida · higher than 93% of U.S. towns
Main hazard
Hurricanes
80% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
8
of 27 declared for Martin County
By hazard

What Indiantown faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Hurricanes

80%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about once every 3 years in the area

River and rain flooding

14%of expected building damage
Well below average · lower than 85% of U.S. census tracts
Recorded about once every 2 years in the area
Smaller shares here
 Wildfire Tornadoes Strong wind Lightning Hail Earthquakes Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingWinter stormsIce stormsAvalanchesTsunamisVolcanic activity

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Indiantown’s grade

Hurricanes are 80% of the building damage FEMA expects in Indiantown, and Indiantown’s rate of hurricanes damage is in the top 3% of U.S. census tracts. Wildfire adds 3%, at a rate in the top 6% of U.S. census tracts.

Where Indiantown sits
Indiantown
Least damageMiddleMost damage

D #532 of 638 in Florida; higher expected damage per building than 93% of U.S. towns (21,298).

Indiantown’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
Hurricanes80%River and rain flooding14%Wildfire3%Everything else3%

The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Indiantown has more expected damage per building than 83% of Florida towns.

In dollars, FEMA expects about $3.1M a year in losses across Indiantown: $2.4M to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Hurricane Irma in 2017, FEMA took 771 aid registrations from Indiantown addresses (the town has 1,817 homes).
A small-area figure. Indiantown covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Indiantown flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Indiantown. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Indiantown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Martin County.
Disasters

8 federal disasters brought FEMA money to Indiantown

Disasters that paid out in Indiantown itself (aid to households or repair grants to the Village of Indiantown), newest first, with that year’s flood claims.

  1. 2024Hurricane Milton126 households applied for aid$120K aid approved
  2. 2017Hurricane Irma771 households applied for aid$265K aid approved
  3. 2008Tropical Storm Fay115 households applied for aid$23K aid approved
  4. 2005Hurricane Wilma604 households applied for aid$420K aid approved
  5. 2004Hurricane Jeanne932 households applied for aid$1.9M aid approved
  6. 2004Hurricane Ivan25 households applied for aid$10K aid approved
Show all 8
  1. 2004Hurricane Frances667 households applied for aid$1.1M aid approved
  2. 2004Tropical Storm Bonnie and Hurricane Charley1 households applied for aid$5K aid approved
Disasters declared, by decade
Paid out in IndiantownMartin County only

Martin County has had 27 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Martin County, 1999–2009.

Were you here?

Old photos of Indiantown after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Indiantown archive →
Be ready

Get ready for what Indiantown faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Hurricane season
  • The season runs June through November and peaks from mid-August to mid-October.
  • Bring in porch furniture and anything the wind can throw.
  • Fill the gas tank and charge phones before the storm arrives.
More from Ready.gov ↗
When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Indiantown

Is Indiantown at risk for natural disasters?

On FEMA’s National Risk Index, Indiantown has higher expected damage per building than 93% of U.S. towns: D for hazard risk, #532 of 638 in Florida. Most of the expected damage is hurricanes (80%) and river and rain flooding (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Indiantown in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Martin County, 78% of homes in mapped flood zones carry federal flood insurance, and 14.1% of all homes do.

How much is flood insurance in Indiantown?

FEMA’s Community Rating System list shows no discount for Indiantown’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Indiantown?

By FEMA money that reached Indiantown, Hurricane Jeanne (2004): 932 households applied for aid, $1.9M approved.

Is Indiantown at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (80%), and Indiantown’s rate for it is in the top 3% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Indiantown.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Indiantown’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.