Photo: Chris Flook · CC BY-SA 4.0FEMA expects about as much hazard damage per building in Odon as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Odon gets a B for hazard risk: lower expected damage per building than 60% of U.S. towns. Most of that expected damage is river and rain flooding (65%), then earthquakes (19%). 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 Odon 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
Earthquakes
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 Odon’s grade
River and rain flooding is 65% of the building damage FEMA expects in Odon, and Odon’s rate of river and rain flooding damage is lower than 57% of U.S. census tracts. Next is earthquakes at 19% (higher than 80% of U.S. census tracts).
B lower expected damage per building than 60% of U.S. towns (21,298).
All of Odon’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $768K a year in losses across Odon: $569K to buildings, the rest to people and crops.
Does Odon flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Odon. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Odon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Daviess County.2 federal disasters brought FEMA money to Odon
Disasters that paid out in Odon itself (aid to households or repair grants to the Town of Odon), newest first, with that year’s flood claims.
- 2009Severe Storms, Tornadoes, and Flooding3 households applied for aid$34K aid approved
- 2005Severe Winter Storms and Flooding1 households applied for aid$229 aid approved
Daviess 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 Odon after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Odon archive →Get ready for what Odon 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Odon
Is Odon at risk for natural disasters?
On FEMA’s National Risk Index, Odon has lower expected damage per building than 60% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (65%) and earthquakes (19%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Odon 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 Daviess County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Odon?
FEMA’s Community Rating System list shows no discount for Odon’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 Odon?
By FEMA money that reached Odon, Severe Storms, Tornadoes, and Flooding (2009): 3 households applied for aid, $34K approved.
Is Odon at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Odon’s rate for it is lower than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Odon.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Odon’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.