Photo: Paul J Everett · CC BY 2.0FEMA expects about as much hazard damage per building in Danville as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Danville gets a B for hazard risk: lower expected damage per building than 56% of U.S. towns, #352 of 593 in Indiana. Most of that expected damage is river and rain flooding (74%), then tornadoes (13%). Flood insurance has paid 3 claims here since 2010.
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 Danville 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
Hail
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 Danville’s grade
River and rain flooding is 74% of the building damage FEMA expects in Danville, and Danville’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Next is tornadoes at 13% (higher than 86% of U.S. census tracts).
B #352 of 593 in Indiana; lower expected damage per building than 56% of U.S. towns (21,298).
Danville’s residents live in 3 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, Danville has more expected damage per building than 59% of Indiana towns.
In dollars, FEMA expects about $3.4M a year in losses across Danville: $2.4M to buildings, the rest to people and crops.
Does Danville flood? Rarely: 3 flood claims since 2010
Every paid claim on a federal flood insurance policy in Danville, from FEMA’s records: 0.6 per 1,000 homes, fewer than 86% of the 13,809 U.S. towns with a flood insurance record.
Danville 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.5 federal disasters brought FEMA money to Danville
Disasters that paid out in Danville itself (aid to households or repair grants to the Town of Danville), newest first, with that year’s flood claims.
- 2014Severe Winter Storm and Snowstorm$28K to the Town of Danville for repairs
- 2008Severe Storms, Flooding, and Tornadoes7 households applied for aid$10K aid approved
- 2007Snow$34K to the Town of Danville for repairs
- 2003Severe Storms, Tornadoes, and Flooding7 households applied for aid$7K aid approved
- 1999In-winter Storm 12/23/98$10K to the Town of Danville for repairs
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.
Old photos of Danville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Danville archive →Get ready for what Danville 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.
- 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.
- 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 Danville
Is Danville at risk for natural disasters?
On FEMA’s National Risk Index, Danville has lower expected damage per building than 56% of U.S. towns: B for hazard risk, #352 of 593 in Indiana. Most of the expected damage is river and rain flooding (74%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Danville flood?
Flood insurance has paid 3 claims in Danville since 2010, $102K in all, or 0.6 per 1,000 homes, fewer than 86% of U.S. towns with a flood insurance record.
Is Danville 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 Danville?
FEMA’s Community Rating System list shows no discount for Danville’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 Danville?
By FEMA money that reached Danville, Snow (2007): $34K to the Town of Danville for repairs.
Is Danville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Danville’s rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Danville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Danville’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.