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Lanesville, IndianaPhoto: Chris Flook · CC BY-SA 4.0
–Not graded
Natural hazards in Lanesville · FEMA

Storms, floods and disasters in Lanesville

Lanesville isn’t graded for hazard risk: Lanesville has 944 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 2026.

Flood claims
2
paid since 2026 · $25K
Disasters paid out here
2
of 19 declared for Harrison County
By hazard

What Lanesville 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

79%of expected building damage
Above average · higher than 74% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

14%of expected building damage
Well above average · in the top 6% of U.S. census tracts

Earthquakes

5%of expected building damage
Above average · higher than 68% of U.S. census tracts
Smaller shares here
 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 tornadoes at 26% of Lanesville’s expected losses. Tornadoes do little damage to buildings (14.1%), 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.
Flood insurance claims

Does Lanesville flood? Rarely: 2 flood claims since 2026

Every paid claim on a federal flood insurance policy in Lanesville, from FEMA’s records.

Paid flood claims, by year
2026: 2 claims2026
20262026
2
paid claims since 2026
$25K
paid to owners
0
homes flooded more than once
$13K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Harrison County.
Disasters

2 federal disasters brought FEMA money to Lanesville

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

  1. 2008Severe Storms and Flooding53 households applied for aid$4K aid approved
  2. 2004Severe Storms, Tornadoes, and Flooding13 households applied for aid$8K aid approved
Disasters declared, by decade
Paid out in LanesvilleHarrison County only

Harrison County has had 19 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 Lanesville after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Lanesville archive →
Be ready

Get ready for what Lanesville 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 ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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 Lanesville

Does Lanesville flood?

Flood insurance has paid 2 claims in Lanesville since 2026, $25K in all.

Is Lanesville 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 Harrison County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Lanesville?

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

By FEMA money that reached Lanesville, Severe Storms, Tornadoes, and Flooding (2004): 13 households applied for aid, $8K approved.

Storm stories

Memories, warnings and help from neighbors in Lanesville.

Town Square →
Start the conversation

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