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C+Hazard risk
Natural hazards in Floyds Knobs · FEMA

FEMA expects about as much hazard damage per building in Floyds Knobs as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Floyds Knobs gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns, #455 of 593 in Indiana. Most of that expected damage is river and rain flooding (77%), then tornadoes (14%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 77%Tornadoes 14%Earthquakes 4%

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

more than 56%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#455 of 593 in Indiana
Hazard risk
C+#455 of 593
in Indiana · higher than 56% of U.S. towns
Main hazard
River and rain flooding
77% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 14 declared for Floyd County
By hazard

What Floyds Knobs 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

77%of expected building damage
Above average · higher than 67% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

14%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Smaller shares here
 Earthquakes Strong wind Ice storms Hail Winter storms Lightning Hurricanes Wildfire Cold waves Heat waves top 4% 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 13% of Floyds Knobs’ 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 Floyds Knobs’ grade

River and rain flooding is 77% of the building damage FEMA expects in Floyds Knobs, and Floyds Knobs’ rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Tornadoes add 14%, at a rate in the top 8% of U.S. census tracts.

Where Floyds Knobs sits
Floyds Knobs
Least damageMiddleMost damage

C+ #455 of 593 in Indiana; higher expected damage per building than 56% of U.S. towns (21,298).

Floyds Knobs’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding77%Tornadoes14%Earthquakes4%Everything else5%

The typical Indiana town has lower expected damage than 60% of U.S. towns; within the state, Floyds Knobs has more expected damage per building than 77% of Indiana towns.

In dollars, FEMA expects about $2.2M a year in losses across Floyds Knobs: $1.3M to buildings, the rest to people and crops.

A small-area figure. Floyds Knobs covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Floyds Knobs flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Floyds Knobs. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Floyd County.
Disasters

3 federal disasters brought FEMA money to Floyds Knobs

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

  1. 2018Severe Storms and Flooding9 households applied for aid$6K aid approved
  2. 2008Severe Storms and Flooding116 households applied for aid$10K aid approved
  3. 2004Severe Storms, Tornadoes, and Flooding5 households applied for aid$14K aid approved
Disasters declared, by decade
Paid out in Floyds KnobsFloyd County only

Floyd County has had 14 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 Floyds Knobs after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Floyds Knobs archive →
Next door

Floyds Knobs and its neighbors

Floyds Knobs is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Lafayette Township: hazard risk C+New Albany Township: hazard risk C+Lafayette TownshipNew Albany TownshipFloyds Knobs
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Lafayette TownshipC+more damage than 56%river and rain flooding4
Floyds KnobsC+more damage than 56%river and rain flooding0
New Albany TownshipC+more damage than 64%river and rain flooding119

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.

Be ready

Get ready for what Floyds Knobs 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 Floyds Knobs

Is Floyds Knobs at risk for natural disasters?

On FEMA’s National Risk Index, Floyds Knobs has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk, #455 of 593 in Indiana. Most of the expected damage is river and rain flooding (77%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Floyds Knobs 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 Floyd County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Floyds Knobs?

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

By FEMA money that reached Floyds Knobs, Severe Storms, Tornadoes, and Flooding (2004): 5 households applied for aid, $14K approved.

Is Floyds Knobs at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (77%), and Floyds Knobs’ rate for it is higher than 67% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Floyds Knobs.

Town Square →
Start the conversation

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