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Risk: Very Low

Carroll County, IN Environment & Hazard Risk

Very Low natural hazard risk, led by drought. 278 storm events since 1996.

Expected yearly loss
$12.32M
Very Low nationally
Storm events since 1996
278
Most often thunderstorm wind
Flood insurance policies
209
1.9% of homes
Hurricanes nearby
0
2 tropical storms or stronger since 1923

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 29.6 of 100

Social vulnerability

Very Low

Score 13.4 of 100

Community resilience

Relatively High

Score 67.4 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $5.91B · Agriculture value exposed: $322M · Risk-adjusted yearly loss: $10.05M

Risk by hazard

  • DroughtRelatively Low$355K/yr expected annual loss, about 1.3 events a year
  • HailRelatively Low$392K/yr expected annual loss, about 4.1 events a year
  • Cold waveRelatively Low$1.36M/yr expected annual loss, about 3.7 events a year
  • LandslideVery Low$1,565/yr expected annual loss, about once every 13 years
  • EarthquakeVery Low$303K/yr expected annual loss, about once every 625 years
  • TornadoRelatively Low$1.22M/yr expected annual loss, about once every 3 years
  • Strong windRelatively Low$521K/yr expected annual loss, about 5.0 events a year
  • Heat waveVery Low$244K/yr expected annual loss, about 4.5 events a year
  • Winter weatherRelatively Low$47.49K/yr expected annual loss, about 9.5 events a year
  • HurricaneVery Low$17.93K/yr expected annual loss, about once every 49 years
  • Ice stormVery Low$18.31K/yr expected annual loss, about once every 1 year
  • LightningVery Low$63.39K/yr expected annual loss, about 45 events a year
  • WildfireVery Low$2,853/yr expected annual loss, about once every 67,836 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
209 of 10,944 (1.9%)
Homes in high-risk flood zones
893
Insured in high-risk zones
186 (21%)
Flood claims since 1978
501
Claims paid since 1978
$17.33M

Flood claims paid per year

Flood claims paid per year in Carroll County
  • Flooding$54.8K · 16 claims
  • Mid-spring storms$7,646 · 3 claims

Storm history

Since 1996: 278 events, 3 deaths, $30.23M in damage

  • Thunderstorm Wind109
  • Hail35
  • Flood32
  • Winter Storm25 · 1 death
  • Flash Flood18 · 2 deaths
  • Drought14
  • Tornado12
  • Heavy Snow10
  • High Wind7
  • Extreme Cold/Wind Chill4

Events per year

Storm events per year in Carroll County
12
11
9
16
15
14
13
6
2
3
4
1
8
8
8
6
3
7
11
11

22 tornadoes on record (EF0 4, EF1 6, F0 4, F1 2, F2 2, F3 1, F4 2).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flash Flood07/05/2003

    Countywide, Carroll County

    2 deaths, $7M damage

    What happened

    Heavy thunderstorms trained across the northern third of the Indianapolis forecast area with parts of Carroll and Howard counties getting as much as 8 to 10 inches of rain in less than 12 hours. One 36 year old female was killed in Burlington as she attempted to clean out a storm drain and was sucked down. Also, a 62 year old female was killed when she attempted to move her vehicle across a flooded roadway road at State Road 218 and County Road 525 West. She was subsequently swept into a ditch with 9 to 10 feet of water. 25 homes were filled with several feet of water in Delphi adjacent to Deer Creek as a levy broke there. Deer Creek reached a record water level. Flash flooding mainly alonf Wildcat Creek in Howard County produced significant damage hundreds of homes and businesses.

  • Winter Storm01/07/2010

    Carroll

    1 death, 12 injured, $30K damage

    What happened

    The Indianapolis Star reported Kasey A. Schnepp, 40, lost his life after losing control of his Ford sedan on US 421 and sliding sideways into the path of a Delphi school bus. The bus driver and 11 students suffered minor injuries. The accident occurred outside the town of Delphi, between Lafayette and Kokomo.

  • Flood01/08/2008

    Yoeman, Carroll County

    $12M damage

    What happened

    Record flooding occurred along the Tippecanoe River downstream of Oakdale Dam in Carroll County due to heavy rain and snow melt. At least 330 homes in Carroll County met preliminary qualifications to be considered destroyed.

  • Flood07/05/2003

    Carroll

    $4M damage

    What happened

    From from the evening of July 4th and overnight July 5th, 8 to 13 inches of rain fell across parts of Howard, and Carroll counties as storms trained across that area. Numerous storms moved across this area as well through July 11th. This caused record floods along Wildcat Creek from Kokomo to Lafayette. A hospital in Kokomo alone had 5 million dollars worth of damage. 823 homes in Howard County received damage with major damage to 232. Carroll county had damage to 197 homes and Tippecanoe around 300. Kokomo crested at 17.78 feet (FS - 10 feet) on the 5th, and Lafayette crested at 23.64 feet (FS - 10 feet)on the 7th.

  • Flood07/05/2003

    Carroll

    $3.5M damage

    What happened

    8 to 10 inches of rain on the 4th followed by intervals of thunderstorms through the 11th caused major flooding along the Tippcanoe River. The river crested at 12.8 inches (FS - 8 feet) on the 10th.

  • TornadoEF1, 8.96 mi path, 100 yd wide06/06/2010

    Yoeman, Carroll County

    2 injured, $405K damage

    What happened

    Numerous structures were damaged along the path of this tornado, including several homes, a church, and at least 13 barns. Some of the more significant damage occurred at US Highway 421 and County Road 875 N, with the church receiving roof damage and a boat storage facility having a structure destroyed. This tornado also caused some minor damage to the facility that hosts the transmitter for the NOAA Weather Radio that serves the Lafayette area, WXK-74. The generator on site was damaged. Numerous trees were downed as well. Based on the damage, it appears this was an EF1 tornado with winds near 100 mph. A couple of minor injuries were reported by WLFI.

Latest storm reports

Newest first

  • Hail1.25" hail06/16/2026

    Rockfield, Carroll County

  • TornadoEF0, 0.27 mi path, 25 yd wide06/12/2026

    Lockport, Carroll County

    $5,000 damage

  • TornadoEF0, 3.38 mi path, 75 yd wide06/12/2026

    Pittsburg, Carroll County

    $150K damage

  • Drought04/01/2026

    Carroll

  • High Wind50 kt wind03/13/2026

    Carroll

    $1,000 damage

  • Drought03/01/2026

    Carroll

  • Hail1" hail02/19/2026

    Sleeth, Carroll County

  • Drought02/01/2026

    Carroll

Hurricanes and tropical storms

Storms whose track crossed Carroll County, with the wind when it passed

Drinking water

4 community water systems serve about 6,070 people. Violations since 2021.

1 system had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 1 system had a violation of any kind still open at last report.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Delphi 2 N, 5.5 mi from the county center

Summer highs peak around 85°F in Jul and winter lows bottom out near 19°F in Jan. About 39.0 inches of rain falls in a typical year, with 17.2 inches of snow.

MonthHighLowRainSnow
Jan34°F19°F2.65 in5.8 in
Feb39°F22°F1.79 in3.5 in
Mar51°F31°F2.84 in2.5 in
Apr64°F41°F3.80 in0.2 in
May74°F52°F4.09 in-
Jun82°F60°F4.64 in-
Jul85°F63°F4.61 in-
Aug83°F61°F3.46 in-
Sep78°F54°F2.93 in-
Oct66°F44°F3.00 in-
Nov51°F34°F2.94 in0.5 in
Dec39°F25°F2.29 in4.7 in
Year52°F average39.0 in17.2 in

Pollution sites

0 Superfund sites and 2 toxic release facilities in Carroll County

Superfund sites

None in this county.

Toxic release facilities

Total: 315 lbs in 2024, 315 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk17 historic places

Frequently asked questions

How risky is Carroll County for natural disasters?
FEMA rates Carroll County very low for overall natural hazard risk, with expected losses of $12.32M a year. The highest-rated hazards are drought (relatively low), hail (relatively low), cold wave (relatively low).
What storms are most common in Carroll County?
Since 1996, NOAA recorded 278 storm events affecting Carroll County, most often thunderstorm wind (109), hail (35), flood (32).
How many tornadoes have hit Carroll County?
22 tornadoes have been recorded in Carroll County since 1950, including 3 rated F3/EF3 or stronger.
How many homes in Carroll County have flood insurance?
209 residential flood insurance policies are in force in Carroll County, covering about 1.9% of homes. The program has paid $17.33M on 501 claims here since 1978.
What is the weather like in Carroll County?
At Delphi 2 N, average highs reach 85°F in Jul and lows fall to 19°F in Jan, with 39.0 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.