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Summitville, IndianaPhoto: ONUnicorn · CC BY-SA 4.0
–Not graded
Natural hazards in Summitville · FEMA

Storms, floods and disasters in Summitville

Summitville isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Summitville yet. Flood insurance has paid 1 claim here since 1978.

Flood claims
1
paid since 1978 · $4K
Disasters paid out here
4
of 19 declared for Madison County
By hazard

What Summitville 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

81%of expected building damage
Above average · higher than 65% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

11%of expected building damage
Well above average · higher than 80% of U.S. census tracts
Recorded about once every 16 years in the area
Smaller shares here
 Earthquakes Hail Strong wind Lightning Winter storms Ice storms Hurricanes Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 9% of Summitville’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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 Summitville flood? Rarely: 1 flood claim since 1978

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

Paid flood claims, by year
1978: 1 claim1979: 0 claims1980: 0 claims1981: 0 claims1982: 0 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims1978
19782026
1
paid claims since 1978
$4K
paid to owners
0
homes flooded more than once
$4K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Summitville 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.
Disasters

4 federal disasters brought FEMA money to Summitville

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

  1. 2026Severe Storms, Straight-line Winds, Tornadoes, and Flooding7 households applied for aid$55K aid approved
  2. 2007Snow$1K to the Town of Summitville for repairs
  3. 2005Severe Winter Storms and Flooding185 households applied for aid$143K aid approved$18K to the Town of Summitville for repairs
  4. 2003Severe Storms, Tornadoes, and Flooding10 households applied for aid$17K aid approved
Disasters declared, by decade
Paid out in SummitvilleMadison County only

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.

Were you here?

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

Add to the Summitville archive →
Be ready

Get ready for what Summitville 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 Summitville

Does Summitville flood?

Flood insurance has paid 1 claim in Summitville since 1978, $4K in all.

Is Summitville 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 Summitville?

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

By FEMA money that reached Summitville, Severe Winter Storms and Flooding (2005): 185 households applied for aid, $143K approved, and $18K to the Town of Summitville for repairs.

Storm stories

Memories, warnings and help from neighbors in Summitville.

Town Square →
Start the conversation

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