Photo: Stickman42 · CC BY-SA 4.0For tornadoes, Bargersville’s building-damage rate is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Bargersville gets a C+ for hazard risk: higher expected damage per building than 57% of U.S. towns, #466 of 593 in Indiana. Most of that expected damage is river and rain flooding (72%), then tornadoes (18%). FEMA’s files show no paid flood insurance claims here.
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
What Bargersville 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
Tornadoes
Earthquakes
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.
What’s behind Bargersville’s grade
River and rain flooding is 72% of the building damage FEMA expects in Bargersville, and Bargersville’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Tornadoes add 18%, at a rate in the top 3% of U.S. census tracts.
C+ #466 of 593 in Indiana; higher expected damage per building than 57% of U.S. towns (21,298).
Bargersville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Indiana town has lower expected damage than 60% of U.S. towns; within the state, Bargersville has more expected damage per building than 79% of Indiana towns.
In dollars, FEMA expects about $3.3M a year in losses across Bargersville: $2.6M to buildings, the rest to people and crops.
Does Bargersville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Bargersville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Bargersville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Johnson County.7 federal disasters brought FEMA money to Bargersville
Disasters that paid out in Bargersville itself (aid to households or repair grants to the Town of Bargersville), newest first, with that year’s flood claims.
- 2023Severe Storms, Straight-line Winds, and Tornadoes11 households applied for aid$6K aid approved$898K to the Town of Bargersville for repairs
- 2014Severe Winter Storm and Snowstorm$12K to the Town of Bargersville for repairs
- 2008Severe Storms, Flooding, and Tornadoes40 households applied for aid$92K aid approved$34K to the Town of Bargersville for repairs
- 2004Snow$7K to the Town of Bargersville for repairs
- 2004Severe Storms, Tornadoes, and Flooding1 households applied for aid$5K aid approved
- 2003Severe Storms, Tornadoes, and Flooding4 households applied for aid$12K aid approved
Show all 7
- 1999In-winter Storm 12/23/98$4K to the Town of Bargersville for repairs
Johnson County has had 13 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.
Old photos of Bargersville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bargersville archive →Bargersville and its neighbors
Bargersville is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Greenwood | B−less damage than 53% | river and rain flooding | 37 |
| White River Township | C+more damage than 57% | river and rain flooding | 31 |
| Bargersville | C+more damage than 57% | river and rain flooding | 0 |
| Harrison Township | Cmore damage than 67% | river and rain flooding | — |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Bargersville faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Bargersville
Is Bargersville at risk for natural disasters?
On FEMA’s National Risk Index, Bargersville has higher expected damage per building than 57% of U.S. towns: C+ for hazard risk, #466 of 593 in Indiana. Most of the expected damage is river and rain flooding (72%) and tornadoes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Bargersville 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 Johnson County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Bargersville?
FEMA’s Community Rating System list shows no discount for Bargersville’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 Bargersville?
By FEMA money that reached Bargersville, Severe Storms, Straight-line Winds, and Tornadoes (2023): 11 households applied for aid, $6K approved, and $898K to the Town of Bargersville for repairs.
Is Bargersville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Bargersville’s rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bargersville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bargersville’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.