Photo: Chris Flook · CC BY-SA 4.0Storms, floods and disasters in Fountain City
Fountain City isn’t graded for hazard risk: Fountain City has 702 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2026.
What Fountain City 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.
Does Fountain City flood? Rarely: 1 flood claim since 2026
Every paid claim on a federal flood insurance policy in Fountain City, from FEMA’s records.
- The 2026-08-Indiana-Flooding1 claim · $2K
Fountain City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wayne County.6 federal disasters brought FEMA money to Fountain City
Disasters that paid out in Fountain City itself (aid to households or repair grants to the Town of Fountain City), newest first, with that year’s flood claims.
- 2026Severe Storms, Straight-line Winds, Tornadoes, and Flooding17 households applied for aid$57K aid approved1 flood claim paid that year
- 2008Severe Storms, Flooding, and Tornadoes2 households applied for aid$2K aid approved
- 2005Severe Winter Storms and Flooding6 households applied for aid$3K aid approved$2K to the Town of Fountain City for repairs
- 2004Snow$1K to the Town of Fountain City for repairs
- 2003Severe Storms, Tornadoes, and Flooding1 households applied for aid$3K aid approved
- 1999In-winter Storm 12/23/98$823 to the Town of Fountain City for repairs
Wayne County has had 12 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 Fountain City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fountain City archive →Get ready for what Fountain City 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 Fountain City
Does Fountain City flood?
Flood insurance has paid 1 claim in Fountain City since 2026, $2K in all. The most claims came from 2026-08-Indiana-Flooding (1).
Is Fountain City 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 Wayne County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Fountain City?
FEMA’s Community Rating System list shows no discount for Fountain City’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 Fountain City?
By FEMA money that reached Fountain City, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2026): 17 households applied for aid, $57K approved. By flood claims, 2026-08-Indiana-Flooding: 1 paid, $2K.
Storm stories
Memories, warnings and help from neighbors in Fountain City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fountain City’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.