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Amo THI & E Interurban Depot/SubstationAmo THI & E Interurban Depot/Substation · Photo: Nyttend · Public domain
–Not graded
Natural hazards in Amo · FEMA

Storms, floods and disasters in Amo

Amo isn’t graded for hazard risk: Amo has 417 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2025.

Flood claims
1
paid since 2025 · $34K
Disasters paid out here
2
of 11 declared for Hendricks County
By hazard

What Amo faces

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

River and rain flooding

78%of expected building damage
Above average · higher than 69% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

11%of expected building damage
Well above average · higher than 86% of U.S. census tracts

Earthquakes

5%of expected building damage
Above average · higher than 68% of U.S. census tracts
Smaller shares here
 Hail Strong wind Winter storms Lightning Hurricanes Wildfire Ice storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 10% of Amo’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.
Flood insurance claims

Does Amo flood? Rarely: 1 flood claim since 2025

Every paid claim on a federal flood insurance policy in Amo, from FEMA’s records.

Paid flood claims, by year
2025: 1 claim2026: 0 claims2025
20252026
Biggest named events
  • The Central U.S. April Flooding1 claim · $34K
1
paid claims since 2025
$34K
paid to owners
0
homes flooded more than once
$34K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Hendricks County.
Disasters

2 federal disasters brought FEMA money to Amo

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

  1. 2008Severe Storms, Flooding, and Tornadoes1 households applied for aid$774 aid approved
  2. 2003Severe Storms, Tornadoes, and Flooding2 households applied for aid$4K aid approved
Disasters declared, by decade
Paid out in AmoHendricks County only

Hendricks County has had 11 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Amo archive →
Be ready

Get ready for what Amo faces

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

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 ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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 Amo

Does Amo flood?

Flood insurance has paid 1 claim in Amo since 2025, $34K in all. The most claims came from Central U.S. April Flooding (1).

Is Amo 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 Hendricks County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Amo?

FEMA’s Community Rating System list shows no discount for Amo’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 Amo?

By FEMA money that reached Amo, Severe Storms, Tornadoes, and Flooding (2003): 2 households applied for aid, $4K approved. By flood claims, Central U.S. April Flooding: 1 paid, $34K.

Storm stories

Memories, warnings and help from neighbors in Amo.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Amo’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.