Photo: Chris Flook · CC BY-SA 4.0On FEMA’s figures, Pendleton faces more hazard damage per building than 61% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Pendleton gets a C+ for hazard risk: higher expected damage per building than 61% of U.S. towns, #494 of 593 in Indiana. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 10 claims here since 1979.
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 Pendleton 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
Earthquakes
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 Pendleton’s grade
River and rain flooding is 82% of the building damage FEMA expects in Pendleton, and Pendleton’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Next is tornadoes at 9% (higher than 78% of U.S. census tracts).
C+ #494 of 593 in Indiana; higher expected damage per building than 61% of U.S. towns (21,298).
Pendleton’s residents live in 4 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, Pendleton has more expected damage per building than 83% of Indiana towns.
In dollars, FEMA expects about $1.7M a year in losses across Pendleton: $1.4M to buildings, the rest to people and crops.
Does Pendleton flood? Sometimes: 10 flood claims since 1979
Every paid claim on a federal flood insurance policy in Pendleton, from FEMA’s records: 4.5 per 1,000 homes, more than 57% of the 13,809 U.S. towns with a flood insurance record.
- The 2026-08-Indiana-Flooding2 claims · $13K
Pendleton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Madison County.11 federal disasters brought FEMA money to Pendleton
Disasters that paid out in Pendleton itself (aid to households or repair grants to the Town of Pendleton), newest first, with that year’s flood claims.
- 2026Severe Storms, Straight-line Winds, Tornadoes, and Flooding43 households applied for aid$370K aid approved2 flood claims paid that year
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Flooding$29K to the Town of Pendleton for repairs
- 2014Severe Winter Storm and Snowstorm$15K to the Town of Pendleton for repairs
- 2008Severe Storms, Flooding, and Tornadoes7 households applied for aid$15K aid approved$37K to the Town of Pendleton for repairs
- 2007Snow$12K to the Town of Pendleton for repairs
- 2005Severe Winter Storms and Flooding13 households applied for aid$13K aid approved
Show all 11
- 2004Snow$3K to the Town of Pendleton for repairs
- 2004Severe Storms, Tornadoes, and Flooding2 households applied for aid$318 aid approved
- 2003Severe Storms, Tornadoes, and Flooding20 households applied for aid$37K aid approved
- 2003Severe Storms, Tornadoes, and Flooding7 households applied for aid$7K aid approved
- 1999In-winter Storm 12/23/98$6K to the Town of Pendleton for repairs
Madison County has had 19 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.
Old photos of Pendleton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pendleton archive →Pendleton and its neighbors
Pendleton is 7th of the 7 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Anderson | B+less damage than 71% | river and rain flooding | 70 |
| Ingalls | Bless damage than 63% | river and rain flooding | 1 |
| Green Township | Bless damage than 63% | river and rain flooding | 2 |
| Lapel | Bless damage than 62% | river and rain flooding | — |
| Stony Creek Township | Bless damage than 62% | river and rain flooding | 3 |
| Fall Creek Township | Bless damage than 60% | river and rain flooding | 13 |
| Pendleton | C+more damage than 61% | river and rain flooding | 10 |
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.
Get ready for what Pendleton 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Pendleton
Is Pendleton at risk for natural disasters?
On FEMA’s National Risk Index, Pendleton has higher expected damage per building than 61% of U.S. towns: C+ for hazard risk, #494 of 593 in Indiana. Most of the expected damage is river and rain flooding (82%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Pendleton flood?
Flood insurance has paid 10 claims in Pendleton since 1979, $125K in all, or 4.5 per 1,000 homes, more than 57% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from 2026-08-Indiana-Flooding (2).
Is Pendleton 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 Madison County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Pendleton?
FEMA’s Community Rating System list shows no discount for Pendleton’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 Pendleton?
By FEMA money that reached Pendleton, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2026): 43 households applied for aid, $370K approved. By flood claims, 2026-08-Indiana-Flooding: 2 paid, $13K.
Is Pendleton at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Pendleton’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pendleton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pendleton’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.