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Forest Place Historic DistrictForest Place Historic District · Photo: Nyttend · Public domain
AHazard risk
Natural hazards in Culver · FEMA

FEMA expects less hazard damage per building in Culver than in 92% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Culver gets an A for hazard risk: lower expected damage per building than 92% of U.S. towns. Most of that expected damage is river and rain flooding (64%), then tornadoes (22%). Flood insurance has paid 1 claim here since 2008.

River and rain flooding 64%Tornadoes 22%Hail 6%

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

less than 92%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A
in Indiana · lower than 92% of U.S. towns
Main hazard
River and rain flooding
64% of expected building damage
Flood claims
1
paid since 2008 · $26K
Disasters paid out here
6
of 14 declared for Marshall County
By hazard

What Culver 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

64%of expected building damage
Well below average · lower than 87% of U.S. census tracts
Recorded about once every 3 years in the area

Tornadoes

22%of expected building damage
Well above average · higher than 88% of U.S. census tracts

Hail

6%of expected building damage
Well above average · higher than 80% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Earthquakes Strong wind Lightning Hurricanes Ice storms Heat waves top 5% Wildfire Winter storms Cold 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 17% of Culver’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.
Hazard risk grade

What’s behind Culver’s grade

River and rain flooding is 64% of the building damage FEMA expects in Culver, and Culver’s rate of river and rain flooding damage is lower than 87% of U.S. census tracts. Next is tornadoes at 22% (higher than 88% of U.S. census tracts).

Where Culver sits
Culver
Least damageMiddleMost damage

A lower expected damage per building than 92% of U.S. towns (21,298).

All of Culver’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding64%Tornadoes22%Hail6%Everything else8%

In dollars, FEMA expects about $444K a year in losses across Culver: $307K to buildings, the rest to people and crops.

Shared tract.All of Culver’s 1,129 residents (2020 census) live in one census tract, which it shares with Union township (2,771 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Culver flood? Rarely: 1 flood claim since 2008

Every paid claim on a federal flood insurance policy in Culver, from FEMA’s records: 1.0 per 1,000 homes, fewer than 79% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2008: 1 claim2009: 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 claims2008
20082026
1
paid claims since 2008
$26K
paid to owners
0
homes flooded more than once
$26K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Marshall County.
Disasters

6 federal disasters brought FEMA money to Culver

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

  1. 2018Severe Storms and Flooding10 households applied for aid$4K aid approved
  2. 2009Severe Storms, Tornadoes, and Flooding9 households applied for aid$11K aid approved
  3. 2008Severe Storms and Flooding28 households applied for aid$50K aid approved1 flood claim paid that year
  4. 2005Severe Winter Storms and Flooding3 households applied for aid$11K aid approved
  5. 2000Snow$3K to the Town of Culver for repairs
  6. 1999In-winter Storm 12/23/98$4K to the Town of Culver for repairs
Disasters declared, by decade
Paid out in CulverMarshall County only

Marshall County has had 14 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Culver archive →
Be ready

Get ready for what Culver 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 ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
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 Culver

Is Culver at risk for natural disasters?

On FEMA’s National Risk Index, Culver has lower expected damage per building than 92% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (64%) and tornadoes (22%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Culver flood?

Flood insurance has paid 1 claim in Culver since 2008, $26K in all, or 1.0 per 1,000 homes, fewer than 79% of U.S. towns with a flood insurance record.

Is Culver 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 Marshall County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Culver?

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

By FEMA money that reached Culver, Severe Storms and Flooding (2008): 28 households applied for aid, $50K approved.

Is Culver at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (64%), and Culver’s rate for it is lower than 87% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Culver.

Town Square →
Start the conversation

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