Park Mary Historic District · Photo: Nyttend · Public domainLess hazard damage per building is expected in Lafayette than in 93% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lafayette gets an A for hazard risk: lower expected damage per building than 93% of U.S. towns, #42 of 593 in Indiana. Most of that expected damage is river and rain flooding (74%). Flood insurance has paid 14 claims here since 1981.
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 stands out about Lafayette’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Lafayette 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
Hail
Earthquakes
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 Lafayette’s grade
River and rain flooding is 74% of the building damage FEMA expects in Lafayette, and Lafayette’s rate of river and rain flooding damage is lower than 78% of U.S. census tracts. Next is hail at 9% (higher than 84% of U.S. census tracts).
A #42 of 593 in Indiana; lower expected damage per building than 93% of U.S. towns (21,298).
Lafayette’s residents live in 22 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, Lafayette has less expected damage per building than 93% of Indiana towns.
In dollars, FEMA expects about $17.7M a year in losses across Lafayette: $9.0M to buildings, the rest to people and crops.
Does Lafayette flood? Sometimes: 14 flood claims since 1981
Every paid claim on a federal flood insurance policy in Lafayette, from FEMA’s records: 0.4 per 1,000 homes, fewer than 92% of the 13,809 U.S. towns with a flood insurance record.
Lafayette isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Tippecanoe County.7 federal disasters brought FEMA money to Lafayette
Disasters that paid out in Lafayette itself (aid to households or repair grants to the City of Lafayette), newest first, with that year’s flood claims.
- 2008Severe Storms, Flooding, and Tornadoes2 households applied for aid$1K aid approved
- 2008Severe Storms and Flooding11 households applied for aid$8K aid approved
- 2007Snow$86K to the City of Lafayette for repairs
- 2005Severe Winter Storms and Flooding17 households applied for aid$31K aid approved
- 2004Severe Storms, Tornadoes, and Flooding299 households applied for aid$361K aid approved$22K to the City of Lafayette for repairs1 flood claim paid that year
- 2003Severe Storms, Tornadoes, and Flooding38 households applied for aid$167K aid approved4 flood claims paid that year
Show all 7
- 1999In-winter Storm 12/23/98$41K to the City of Lafayette for repairs
Tippecanoe 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 Lafayette after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lafayette archive →Lafayette and its neighbors
Lafayette has the lowest expected damage per building of the 6 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lafayette | Aless damage than 93% | river and rain flooding | 14 |
| Fairfield Township | Aless damage than 92% | river and rain flooding | 36 |
| Wea Township | Aless damage than 90% | river and rain flooding | 10 |
| Dayton | Aless damage than 88% | river and rain flooding | — |
| Shadeland | A−less damage than 83% | river and rain flooding | — |
| Union Township | A−less damage than 83% | river and rain flooding | — |
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 Lafayette 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.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Lafayette
Is Lafayette at risk for natural disasters?
On FEMA’s National Risk Index, Lafayette has lower expected damage per building than 93% of U.S. towns: A for hazard risk, #42 of 593 in Indiana. Most of the expected damage is river and rain flooding (74%) and hail (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lafayette flood?
Flood insurance has paid 14 claims in Lafayette since 1981, $113K in all, or 0.4 per 1,000 homes, fewer than 92% of U.S. towns with a flood insurance record.
Is Lafayette 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 Tippecanoe 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 Lafayette?
FEMA’s Community Rating System list shows no discount for Lafayette’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 Lafayette?
By FEMA money that reached Lafayette, Severe Storms, Tornadoes, and Flooding (2004): 299 households applied for aid, $361K approved, and $22K to the City of Lafayette for repairs.
Is Lafayette at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Lafayette’s rate for it is lower than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lafayette.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lafayette’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.