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Risk: Very Low

Decatur County, IN Environment & Hazard Risk

Very Low natural hazard risk, led by lightning. 272 storm events since 1996.

Expected yearly loss
$12.23M
Very Low nationally
Storm events since 1996
272
Most often thunderstorm wind
Flood insurance policies
24
0.2% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 23.1 of 100

Social vulnerability

Very Low

Score 10.6 of 100

Community resilience

Relatively High

Score 78.7 of 100

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

Building value exposed: $7B · Agriculture value exposed: $230M · Risk-adjusted yearly loss: $8.37M

Risk by hazard

  • LightningRelatively Moderate$553K/yr expected annual loss, about 49 events a year
  • TornadoRelatively Low$2.65M/yr expected annual loss, about once every 4 years
  • EarthquakeVery Low$662K/yr expected annual loss, about once every 459 years
  • LandslideVery Low$2,993/yr expected annual loss, about once every 8 years
  • Strong windRelatively Low$711K/yr expected annual loss, about 4.5 events a year
  • Ice stormRelatively Low$94.52K/yr expected annual loss, about once every 1 year
  • DroughtRelatively Low$132K/yr expected annual loss, about 1.7 events a year
  • HailRelatively Low$215K/yr expected annual loss, about 4.4 events a year
  • Cold waveRelatively Low$534K/yr expected annual loss, about 2.1 events a year
  • Heat waveVery Low$102K/yr expected annual loss, about 4.8 events a year
  • HurricaneVery Low$8,212/yr expected annual loss, about once every 131 years
  • Winter weatherVery Low$17.75K/yr expected annual loss, about 8.6 events a year
  • WildfireVery Low$3,269/yr expected annual loss, about once every 12,522 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
24 of 11,967 (0.2%)
Homes in high-risk flood zones
169
Insured in high-risk zones
16 (9%)
Flood claims since 1978
30
Claims paid since 1978
$831K

Flood claims paid per year

Flood claims paid per year in Decatur County
  • Storm$381K · 11 claims
  • 2026-08-Indiana-Flooding$0 · 1 claim

Storm history

Since 1996: 272 events, 2 deaths, $4.8M in damage

  • Thunderstorm Wind105
  • Hail50
  • Winter Storm20
  • Flood18
  • Flash Flood15 · 1 death
  • Tornado14
  • High Wind11
  • Drought10
  • Lightning8 · 1 death
  • Heavy Snow7

Events per year

Storm events per year in Decatur County
1
14
6
13
26
13
5
4
5
5
8
19
12
5
4
11
8
7
8
6

25 tornadoes on record (EF0 2, EF1 5, F0 6, F1 7, F2 2, F3 1, F4 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flash Flood09/09/2016

    Greensburg, Decatur County

    1 death, $21.5K damage

    What happened

    Interstate 74 was shut down between mile markers 134 and 143 due to high water from heavy thunderstorm rainfall.||Also, an Indianapolis woman drowned inside a vehicle late Thursday after it struck a semi on a flooded portion of Interstate 74 and overturned into a water-filled ditch, trapping her inside, county law enforcement officials said.||The accident occurred at approximately 11:53 p.m. Thursday. At that time, a Cloverdale man, 62, was traveling east on Interstate 74, near the 143 mile marker. Heavy rains led to high water on the roadway, which are believed to have caused the man to lose control of the vehicle and slide. As it slid, the vehicle was hit by a 2000 Freightliner semi and sent into a roadside ditch. The SUV came to rest upside-down and was partially submerged. More than four feet of water had collected in the ditch by the time the accident had occurred, Decatur County Sheriff said.||The deceased woman, 58, a passenger in the SUV, was pronounced dead at the scene. The man escaped the vehicle unharmed and he and emergency responders attempted to free the woman from the vehicle, but all were unable to pull her from the submerged car. Attempts to resuscitate the...

  • Lightning05/29/1996

    Greensburg, Decatur County

    1 death

    What happened

    Lightning struck and killed a Greensburg man as he was working outside in his yard.

  • Thunderstorm Wind52 kt wind07/18/2015

    Harris City, Decatur County

    2 injured, $8,000 damage

    What happened

    A tree was down on a vehicle near the intersection of County Roads 500 South and 20 West due to damaging thunderstorm wind gusts.

  • TornadoF1, 1.2 mi path, 75 yd wide04/20/1996

    Greensburg, Decatur County

    $1.2M damage

    What happened

    Weak tornado destroyed several buildings and damaged several more. Numerous trees were uprooted also. This storm was one of two to produce significant damage in the county.

  • High Wind52 kt wind11/05/2022

    Decatur

    1 injured, $30K damage

    What happened

    High gradient winds downed a tree onto a car on Interstate 74, 4 miles west-northwest of New Point, injuring one person. Multiple trees were reported downed across Decatur County.

  • Lightning07/26/2016

    Waynesburg, Decatur County

    1 injured

    What happened

    A young girl was struck by lightning outside of her grandmother���s home after 9:00 AM EDT on the morning of the 26th of July. The strike occurred in the 1300 block of South Country Road 1100 West near Alert, Indiana. The Decatur County Sheriff���s Office said the young girl and her grandmother were getting ready to get into the car when she was struck by lightning. The grandmother told deputies she heard a loud crack of lightning and looked over and saw the girl on the ground. She is expected to make a full recovery.

Latest storm reports

Newest first

  • Thunderstorm Wind50 kt wind07/28/2026

    Greensburg, Decatur County

    $5,000 damage

  • Thunderstorm Wind50 kt wind06/18/2026

    Westport, Decatur County

    $10K damage

  • Flash Flood06/10/2026

    Greensburg, Decatur County

    $10K damage

  • Tornado0.92 mi path, 25 yd wide02/20/2026

    Greensburg Arpt, Decatur County

  • Extreme Cold/Wind Chill01/27/2026

    Decatur

  • Heavy Snow01/25/2026

    Decatur

  • Heavy Snow12/13/2025

    Decatur

  • Hail0.75" hail06/19/2025

    Millhousen, Decatur County

Drinking water

5 community water systems serve about 20,411 people. Violations since 2021.

4 systems 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.

  • Greensburg Municipal Water WorksServes 12,650 · Surface water · Local government3 health violations+7 monitoring or reporting
  • Decatur Co. Water Corp.Serves 3,440 · Purchased surface water · Local government3 health violations+1 monitoring or reporting
  • Westport Water CompanyServes 1,725 · Surface water · Local government11 health violations+46 monitoring or reporting
  • Lake Santee RwwdServes 1,500 · Surface water · Local governmentNo health violations+29 monitoring or reporting
  • St. Paul Municipal WaterServes 1,096 · Groundwater · Local government3 health violations+46 monitoring or reporting

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 Greensburg, 4.4 mi from the county center

Summer highs peak around 85°F in Jul and winter lows bottom out near 22°F in Jan. About 47.0 inches of rain falls in a typical year, with 13.3 inches of snow.

MonthHighLowRainSnow
Jan36°F22°F3.40 in4.4 in
Feb41°F24°F2.76 in3.8 in
Mar51°F33°F3.77 in1.7 in
Apr64°F44°F4.91 in-
May74°F55°F5.08 in-
Jun82°F63°F5.41 in-
Jul85°F66°F3.97 in-
Aug83°F64°F4.03 in-
Sep78°F57°F3.24 in-
Oct66°F46°F3.37 in0.1 in
Nov52°F35°F3.60 in0.2 in
Dec41°F27°F3.47 in3.1 in
Year54°F average47.0 in13.3 in

Pollution sites

0 Superfund sites and 8 toxic release facilities in Decatur County

Superfund sites

None in this county.

Toxic release facilities

Total: 225,994 lbs in 2024, 85,652 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk9 historic places

Frequently asked questions

How risky is Decatur County for natural disasters?
FEMA rates Decatur County very low for overall natural hazard risk, with expected losses of $12.23M a year. The highest-rated hazards are lightning (relatively moderate), tornado (relatively low), earthquake (very low).
What storms are most common in Decatur County?
Since 1996, NOAA recorded 272 storm events affecting Decatur County, most often thunderstorm wind (105), hail (50), winter storm (20).
How many tornadoes have hit Decatur County?
25 tornadoes have been recorded in Decatur County since 1950, including 2 rated F3/EF3 or stronger.
How many homes in Decatur County have flood insurance?
24 residential flood insurance policies are in force in Decatur County, covering about 0.2% of homes. The program has paid $831K on 30 claims here since 1978.
What is the weather like in Decatur County?
At Greensburg, average highs reach 85°F in Jul and lows fall to 22°F in Jan, with 47.0 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.