Photo: Chris Flook · CC BY-SA 4.0For tornadoes, Farmland’s building-damage rate is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Farmland gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns. Most of that expected damage is river and rain flooding (71%), then tornadoes (20%). Flood insurance has paid 1 claim here since 2026.
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 Farmland 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
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 Farmland’s grade
River and rain flooding is 71% of the building damage FEMA expects in Farmland, and Farmland’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Tornadoes add 20%, at a rate in the top 3% of U.S. census tracts.
B− lower expected damage per building than 52% of U.S. towns (21,298).
All of Farmland’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $391K a year in losses across Farmland: $300K to buildings, the rest to people and crops.
Does Farmland flood? Rarely: 1 flood claim since 2026
Every paid claim on a federal flood insurance policy in Farmland, from FEMA’s records: 1.6 per 1,000 homes, fewer than 67% of the 13,809 U.S. towns with a flood insurance record.
- The 2026-08-Indiana-Flooding1 claim · $20K
Farmland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Randolph County.7 federal disasters brought FEMA money to Farmland
Disasters that paid out in Farmland itself (aid to households or repair grants to the Town of Farmland), newest first, with that year’s flood claims.
- 2026Severe Storms, Straight-line Winds, Tornadoes, and Flooding27 households applied for aid$322K aid approved1 flood claim paid that year
- 2008Severe Storms, Flooding, and Tornadoes3 households applied for aid$4K aid approved
- 2007Snow$3K to the Town of Farmland for repairs
- 2005Severe Winter Storms and Flooding183 households applied for aid$99K aid approved$56K to the Town of Farmland for repairs
- 2004Snow$2K to the Town of Farmland for repairs
- 2003Severe Storms, Tornadoes, and Flooding7 households applied for aid$24K aid approved
Show all 7
- 2003Severe Storms, Tornadoes, and Flooding1 households applied for aid$3K aid approved
Randolph County has had 16 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 Farmland after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Farmland archive →Get ready for what Farmland 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.
- 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 Farmland
Is Farmland at risk for natural disasters?
On FEMA’s National Risk Index, Farmland has lower expected damage per building than 52% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (71%) and tornadoes (20%). 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 Farmland flood?
Flood insurance has paid 1 claim in Farmland since 2026, $20K in all, or 1.6 per 1,000 homes, fewer than 67% of U.S. towns with a flood insurance record. The most claims came from 2026-08-Indiana-Flooding (1).
Is Farmland 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 Randolph County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Farmland?
FEMA’s Community Rating System list shows no discount for Farmland’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 Farmland?
By FEMA money that reached Farmland, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2026): 27 households applied for aid, $322K approved. By flood claims, 2026-08-Indiana-Flooding: 1 paid, $20K.
Is Farmland at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Farmland’s rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Farmland.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Farmland’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.