Less hazard damage per building is expected in Huntertown than in 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Huntertown gets an A− for hazard risk: lower expected damage per building than 82% of U.S. towns, #118 of 593 in Indiana. Most of that expected damage is river and rain flooding (74%), then tornadoes (18%). Flood insurance has paid 1 claim here since 2022.
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 Huntertown 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 Huntertown’s grade
River and rain flooding is 74% of the building damage FEMA expects in Huntertown, and Huntertown’s rate of river and rain flooding damage is lower than 67% of U.S. census tracts. Next is tornadoes at 18% (higher than 87% of U.S. census tracts).
A− #118 of 593 in Indiana; lower expected damage per building than 82% of U.S. towns (21,298).
Huntertown’s residents live in 4 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, Huntertown has less expected damage per building than 80% of Indiana towns.
In dollars, FEMA expects about $1.7M a year in losses across Huntertown: $1.3M to buildings, the rest to people and crops.
Does Huntertown flood? Rarely: 1 flood claim since 2022
Every paid claim on a federal flood insurance policy in Huntertown, from FEMA’s records: 0.3 per 1,000 homes, fewer than 96% of the 13,809 U.S. towns with a flood insurance record.
Huntertown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Allen County.2 federal disasters brought FEMA money to Huntertown
Disasters that paid out in Huntertown itself (aid to households or repair grants to the Town of Huntertown), newest first, with that year’s flood claims.
- 2014Severe Winter Storm and Snowstorm$9K to the Town of Huntertown for repairs
- 2008Severe Storms and Flooding1 households applied for aid$4K aid approved
Allen County has had 15 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.
Old photos of Huntertown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Huntertown archive →Huntertown and its neighbors
Huntertown is 2nd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Eel River Township | Aless damage than 86% | river and rain flooding | 1 |
| Huntertown | A−less damage than 82% | river and rain flooding | 1 |
| Perry Township | A−less damage than 77% | river and rain flooding | 11 |
| Fort Wayne | B−less damage than 52% | river and rain flooding | 1,148 |
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.
Get ready for what Huntertown 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 Huntertown
Is Huntertown at risk for natural disasters?
On FEMA’s National Risk Index, Huntertown has lower expected damage per building than 82% of U.S. towns: A− for hazard risk, #118 of 593 in Indiana. Most of the expected damage is river and rain flooding (74%) and tornadoes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Huntertown flood?
Flood insurance has paid 1 claim in Huntertown since 2022, $115K in all, or 0.3 per 1,000 homes, fewer than 96% of U.S. towns with a flood insurance record.
Is Huntertown 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 Allen County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Huntertown?
FEMA’s Community Rating System list shows no discount for Huntertown’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 Huntertown?
By FEMA money that reached Huntertown, Severe Winter Storm and Snowstorm (2014): $9K to the Town of Huntertown for repairs.
Is Huntertown at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Huntertown’s rate for it is lower than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Huntertown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Huntertown’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.