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

Storms, floods and disasters in Lynn

Lynn isn’t graded for hazard risk: Lynn has 943 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
7
of 16 declared for Randolph County
By hazard

What Lynn 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

69%of expected building damage
About average · lower than 55% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

22%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Recorded about once every 15 years in the area
Smaller shares here
 Earthquakes Hail Strong wind Ice storms Hurricanes Winter storms Lightning Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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 Lynn flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Lynn. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Randolph County.
Disasters

7 federal disasters brought FEMA money to Lynn

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

  1. 2026Severe Storms, Straight-line Winds, Tornadoes, and Flooding12 households applied for aid$94K aid approved
  2. 2008Severe Storms, Flooding, and Tornadoes33 households applied for aid$62K aid approved
  3. 2005Severe Winter Storms and Flooding156 households applied for aid$78K aid approved$27K to the Town of Lynn for repairs
  4. 2004Snow$5K to the Town of Lynn for repairs
  5. 2003Severe Storms, Tornadoes, and Flooding3 households applied for aid$5K aid approved
  6. 2003Severe Storms, Tornadoes, and Flooding5 households applied for aid$4K aid approved
Show all 7
  1. 1999In-winter Storm 12/23/98$4K to the Town of Lynn for repairs
Disasters declared, by decade
Paid out in LynnRandolph County only

Randolph County has had 16 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.

Were you here?

Old photos of Lynn after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Lynn archive →
Be ready

Get ready for what Lynn 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 ↗
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 Lynn

Is Lynn 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 Randolph County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Lynn?

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

By FEMA money that reached Lynn, Severe Winter Storms and Flooding (2005): 156 households applied for aid, $78K approved, and $27K to the Town of Lynn for repairs.

Storm stories

Memories, warnings and help from neighbors in Lynn.

Town Square →
Start the conversation

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