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Veedersburg, INPhoto: Daniel Schwen · CC BY-SA 4.0
B+Hazard risk
Natural hazards in Veedersburg · FEMA

Less hazard damage per building is expected in Veedersburg than in 74% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Veedersburg gets a B+ for hazard risk: lower expected damage per building than 74% of U.S. towns. Most of that expected damage is river and rain flooding (62%), then tornadoes (13%). Flood insurance has paid 3 claims here since 1979.

River and rain flooding 62%Tornadoes 13%Earthquakes 11%

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 74%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Indiana · lower than 74% of U.S. towns
Main hazard
River and rain flooding
62% of expected building damage
Flood claims
3
paid since 1979 · $4K
Disasters paid out here
4
of 9 declared for Fountain County
By hazard

What Veedersburg 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

62%of expected building damage
Below average · lower than 72% of U.S. census tracts
Recorded about 4 times a year in the area

Tornadoes

13%of expected building damage
Above average · higher than 79% of U.S. census tracts
Recorded about once every 14 years in the area

Earthquakes

11%of expected building damage
Above average · higher than 75% of U.S. census tracts

Hail

8%of expected building damage
Well above average · higher than 86% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Hurricanes Winter storms Ice storms Lightning 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 26% of Veedersburg’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.
Hazard risk grade

What’s behind Veedersburg’s grade

River and rain flooding is 62% of the building damage FEMA expects in Veedersburg, and Veedersburg’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 10% of U.S. census tracts.

Where Veedersburg sits
Veedersburg
Least damageMiddleMost damage

B+ lower expected damage per building than 74% of U.S. towns (21,298).

All of Veedersburg’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding62%Tornadoes13%Earthquakes11%Everything else13%

In dollars, FEMA expects about $986K a year in losses across Veedersburg: $419K to buildings, the rest to people and crops.

Shared tract.All of Veedersburg’s 2,098 residents (2020 census) live in one census tract, which it shares with Hillsboro town (508 residents) and Mellott town (174 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Veedersburg flood? Rarely: 3 flood claims since 1979

Every paid claim on a federal flood insurance policy in Veedersburg, from FEMA’s records: 3.1 per 1,000 homes, fewer than 51% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 2 claims1980: 0 claims1981: 0 claims1982: 0 claims1983: 1 claim1984: 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 claims19791983
19792026
3
paid claims since 1979
$4K
paid to owners
0
homes flooded more than once
$1K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Fountain County.
Disasters

4 federal disasters brought FEMA money to Veedersburg

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

  1. 2007Snow$5K to the Town of Veedersburg for repairs
  2. 2005Severe Winter Storms and Flooding1 households applied for aid$1K aid approved
  3. 2004Severe Storms, Tornadoes, and Flooding1 households applied for aid$3K aid approved
  4. 1999In-winter Storm 12/23/98$3K to the Town of Veedersburg for repairs
Disasters declared, by decade
Paid out in VeedersburgFountain County only

Fountain County has had 9 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 Veedersburg after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Veedersburg archive →
Be ready

Get ready for what Veedersburg 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 Veedersburg

Is Veedersburg at risk for natural disasters?

On FEMA’s National Risk Index, Veedersburg has lower expected damage per building than 74% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (62%) and tornadoes (13%). 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.

Does Veedersburg flood?

Flood insurance has paid 3 claims in Veedersburg since 1979, $4K in all, or 3.1 per 1,000 homes, fewer than 51% of U.S. towns with a flood insurance record.

Is Veedersburg 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 Fountain County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.

How much is flood insurance in Veedersburg?

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

By FEMA money that reached Veedersburg, Snow (2007): $5K to the Town of Veedersburg for repairs.

Is Veedersburg at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (62%), and Veedersburg’s rate for it is lower than 72% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Veedersburg.

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