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

Storms, floods and disasters in Milton

Milton isn’t graded for hazard risk: Milton has 323 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2026.

Flood claims
1
paid since 2026 · $140K
Disasters paid out here
4
of 12 declared for Wayne County
By hazard

What Milton 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

75%of expected building damage
Above average · higher than 72% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

16%of expected building damage
Well above average · in the top 3% of U.S. census tracts
Smaller shares here
 Earthquakes Strong wind Hail Winter storms Ice storms Lightning Hurricanes Wildfire Cold waves Heat waves top 4% 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 Milton flood? Rarely: 1 flood claim since 2026

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

Paid flood claims, by year
2026: 1 claim2026
20262026
Biggest named events
  • The 2026-08-Indiana-Flooding1 claim · $140K
1
paid claims since 2026
$140K
paid to owners
0
homes flooded more than once
$140K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Wayne County.
Disasters

4 federal disasters brought FEMA money to Milton

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

  1. 2026Severe Storms, Straight-line Winds, Tornadoes, and Flooding40 households applied for aid$666K aid approved1 flood claim paid that year
  2. 2008Severe Storms, Flooding, and Tornadoes1 households applied for aid$2K aid approved
  3. 2005Severe Winter Storms and Flooding1 households applied for aid$1K aid approved$7K to the Town of Milton for repairs
  4. 2004Snow$2K to the Town of Milton for repairs
Disasters declared, by decade
Paid out in MiltonWayne County only

Wayne County has had 12 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 Milton after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Milton archive →
Be ready

Get ready for what Milton 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 Milton

Does Milton flood?

Flood insurance has paid 1 claim in Milton since 2026, $140K in all. The most claims came from 2026-08-Indiana-Flooding (1).

Is Milton 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 Wayne County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Milton?

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

By FEMA money that reached Milton, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2026): 40 households applied for aid, $666K approved. By flood claims, 2026-08-Indiana-Flooding: 1 paid, $140K.

Storm stories

Memories, warnings and help from neighbors in Milton.

Town Square →
Start the conversation

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