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Cedargrove, IndianaPhoto: Chris Flook · CC BY-SA 4.0
–Not graded
Natural hazards in Cedar Grove · FEMA

Storms, floods and disasters in Cedar Grove

Cedar Grove isn’t graded for hazard risk: Cedar Grove has 252 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2004.

Flood claims
1
paid since 2004 · $15K
Disasters paid out here
1
of 20 declared for Franklin County
By hazard

What Cedar Grove 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

79%of expected building damage
Above average · higher than 78% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

15%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about once every 10 years in the area
Smaller shares here
 Strong wind Earthquakes Hail Ice storms Wildfire Winter storms Lightning Hurricanes Cold waves Heat waves top 4% Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic 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.
Flood insurance claims

Does Cedar Grove flood? Rarely: 1 flood claim since 2004

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

Paid flood claims, by year
2004: 1 claim2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2004
20042026
1
paid claims since 2004
$15K
paid to owners
0
homes flooded more than once
$15K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Franklin County.
Disasters

1 federal disaster brought FEMA money to Cedar Grove

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

  1. 2026Severe Storms, Straight-line Winds, Tornadoes, and Flooding2 households applied for aid$96K aid approved
Disasters declared, by decade
Paid out in Cedar GroveFranklin County only

Franklin County has had 20 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Cedar Grove archive →
Be ready

Get ready for what Cedar Grove 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 ↗
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 Cedar Grove

Does Cedar Grove flood?

Flood insurance has paid 1 claim in Cedar Grove since 2004, $15K in all.

Is Cedar Grove 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 Franklin County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Cedar Grove?

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

By FEMA money that reached Cedar Grove, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2026): 2 households applied for aid, $96K approved.

Storm stories

Memories, warnings and help from neighbors in Cedar Grove.

Town Square →
Start the conversation

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