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Mooresville Commercial Historic DistrictMooresville Commercial Historic District · Photo: Nyttend · Public domain
B−Hazard risk
Natural hazards in Mooresville · FEMA

On FEMA’s figures, Mooresville 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, Mooresville gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns, #387 of 593 in Indiana. Most of that expected damage is river and rain flooding (72%), then tornadoes (14%). Flood insurance has paid 32 claims here since 1993.

River and rain flooding 72%Tornadoes 14%Earthquakes 7%

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

less than 53%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#387 of 593 in Indiana
Hazard risk
B−#387 of 593
in Indiana · lower than 53% of U.S. towns
Main hazard
River and rain flooding
72% of expected building damage
Flood claims
32
paid since 1993 · $572K
Flooded more than once
5
properties · 1 “severe repetitive loss”
Disasters paid out here
10
of 16 declared for Morgan County

What stands out about Mooresville’s natural hazards

From FEMA’s model and FEMA’s records, below.

Moved out of harm’s way1 flood-prone property bought out and cleared with FEMA grants.Remembers 20039 flood claims were paid for 2003 alone, the most of any year.
By hazard

What Mooresville 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

72%of expected building damage
About average · higher than 56% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

14%of expected building damage
Well above average · higher than 89% of U.S. census tracts

Earthquakes

7%of expected building damage
Above average · higher than 70% of U.S. census tracts

Hail

5%of expected building damage
Well above average · higher than 85% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Strong wind Winter storms Lightning Hurricanes Wildfire Ice storms Cold waves Heat waves top 5% 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.
Hazard risk grade

What’s behind Mooresville’s grade

River and rain flooding is 72% of the building damage FEMA expects in Mooresville, and Mooresville’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Next is tornadoes at 14% (higher than 89% of U.S. census tracts).

Where Mooresville sits
Mooresville
Least damageMiddleMost damage

B− #387 of 593 in Indiana; lower expected damage per building than 53% of U.S. towns (21,298).

Mooresville’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding72%Tornadoes14%Earthquakes7%Everything else7%

The typical Indiana town has lower expected damage than 60% of U.S. towns; within the state, Mooresville has more expected damage per building than 65% of Indiana towns.

In dollars, FEMA expects about $3.6M a year in losses across Mooresville: $2.7M to buildings, the rest to people and crops.

A small-area figure. Mooresville covers 3 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Mooresville flood? Sometimes: 32 flood claims since 1993

Every paid claim on a federal flood insurance policy in Mooresville, from FEMA’s records: 7.7 per 1,000 homes, more than 69% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1993: 1 claim1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 1 claim2003: 9 claims2004: 0 claims2005: 1 claim2006: 0 claims2007: 0 claims2008: 7 claims2009: 2 claims2010: 1 claim2011: 4 claims2012: 0 claims2013: 3 claims2014: 0 claims2015: 2 claims2016: 0 claims2017: 0 claims2018: 1 claim2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims200320082011
19932026
Biggest named events
  • The Storm7 claims · $104K
  • The Mid-spring storms1 claim · $36K
32
paid claims since 1993
$572K
paid to owners
5
homes flooded more than once
$18K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Morgan County.
What’s been done with FEMA grants
1flood-prone property bought out and cleared
Disasters

10 federal disasters brought FEMA money to Mooresville

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

  1. 2026Severe Storms, Straight-line Winds, Tornadoes, and Flooding6 households applied for aid$15K aid approved
  2. 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding$65K to the Town of Mooresville for repairs
  3. 2014Severe Winter Storm and Snowstorm$10K to the Town of Mooresville for repairs
  4. 2008Severe Storms, Flooding, and Tornadoes87 households applied for aid$178K aid approved7 flood claims paid that year
  5. 2005Severe Winter Storms and Flooding5 households applied for aid$8K aid approved1 flood claim paid that year
  6. 2004Snow$8K to the Town of Mooresville for repairs
Show all 10
  1. 2004Severe Storms, Tornadoes, and Flooding2 households applied for aid$1K aid approved
  2. 2003Severe Storms, Tornadoes, and Flooding17 households applied for aid$38K aid approved
  3. 2003Severe Storms, Tornadoes, and Flooding3 households applied for aid$6K aid approved
  4. 1999In-winter Storm 12/23/98$6K to the Town of Mooresville for repairs
Disasters declared, by decade
Paid out in MooresvilleMorgan County only

Morgan County has had 16 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 Mooresville after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Mooresville archive →
Next door

Mooresville and its neighbors

Mooresville is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Brown Township: hazard risk BMadison Township: hazard risk B−Brown TownshipMadison TownshipMooresville
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Brown TownshipBless damage than 55%river and rain flooding34
Madison TownshipB−less damage than 54%river and rain flooding1
MooresvilleB−less damage than 53%river and rain flooding32

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.

Be ready

Get ready for what Mooresville 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 ↗
Hail
  • 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.
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 Mooresville

Is Mooresville at risk for natural disasters?

On FEMA’s National Risk Index, Mooresville has lower expected damage per building than 53% of U.S. towns: B− for hazard risk, #387 of 593 in Indiana. Most of the expected damage is river and rain flooding (72%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Mooresville flood?

Flood insurance has paid 32 claims in Mooresville since 1993, $572K in all, or 7.7 per 1,000 homes, more than 69% of U.S. towns with a flood insurance record. 5 properties have flooded more than once. The most claims came from Storm (7).

Is Mooresville 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 Morgan County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.

How much is flood insurance in Mooresville?

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

By FEMA money that reached Mooresville, Severe Storms, Flooding, and Tornadoes (2008): 87 households applied for aid, $178K approved. By flood claims, Storm: 7 paid, $104K.

Is Mooresville at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (72%), and Mooresville’s rate for it is higher than 56% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Mooresville.

Town Square →
Start the conversation

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