Photo: Chris Flook · CC BY-SA 4.0On FEMA’s figures, Leo-Cedarville faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Leo-Cedarville gets a B for hazard risk: lower expected damage per building than 60% of U.S. towns, #305 of 593 in Indiana. Most of that expected damage is river and rain flooding (80%), then tornadoes (14%). FEMA’s files show no paid flood insurance claims here.
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 Leo-Cedarville 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 Leo-Cedarville’s grade
River and rain flooding is 80% of the building damage FEMA expects in Leo-Cedarville, and Leo-Cedarville’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Next is tornadoes at 14% (higher than 87% of U.S. census tracts).
B #305 of 593 in Indiana; lower expected damage per building than 60% of U.S. towns (21,298).
Leo-Cedarville’s residents live in 2 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, Leo-Cedarville has more expected damage per building than 51% of Indiana towns.
In dollars, FEMA expects about $970K a year in losses across Leo-Cedarville: $786K to buildings, the rest to people and crops.
Does Leo-Cedarville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Leo-Cedarville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Leo-Cedarville 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.4 federal disasters brought FEMA money to Leo-Cedarville
Disasters that paid out in Leo-Cedarville itself (aid to households or repair grants to the Town of Leo-Cedarville), newest first, with that year’s flood claims.
- 2014Severe Winter Storm and Snowstorm$6K to the Town of Leo-Cedarville for repairs
- 2007Snow$4K to the Town of Leo-Cedarville for repairs
- 2000Snow$7K to the Town of Leo-Cedarville for repairs
- 1999In-winter Storm 12/23/98$4K to the Town of Leo-Cedarville for repairs
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 Leo-Cedarville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Leo-Cedarville archive →Get ready for what Leo-Cedarville 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 Leo-Cedarville
Is Leo-Cedarville at risk for natural disasters?
On FEMA’s National Risk Index, Leo-Cedarville has lower expected damage per building than 60% of U.S. towns: B for hazard risk, #305 of 593 in Indiana. Most of the expected damage is river and rain flooding (80%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Leo-Cedarville 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 Leo-Cedarville?
FEMA’s Community Rating System list shows no discount for Leo-Cedarville’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 Leo-Cedarville?
By FEMA money that reached Leo-Cedarville, Snow (2000): $7K to the Town of Leo-Cedarville for repairs.
Is Leo-Cedarville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Leo-Cedarville’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Leo-Cedarville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Leo-Cedarville’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.