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Risk: Very Low

Jay County, IN Environment & Hazard Risk

Very Low natural hazard risk, led by tornado. 212 storm events since 1996.

Expected yearly loss
$7.6M
Very Low nationally
Storm events since 1996
212
Most often thunderstorm wind
Flood insurance policies
13
0.1% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 22.9 of 100

Social vulnerability

Relatively Moderate

Score 43.9 of 100

Community resilience

Relatively Moderate

Score 55.0 of 100

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

Building value exposed: $5.5B · Agriculture value exposed: $480M · Risk-adjusted yearly loss: $8.3M

Risk by hazard

  • TornadoRelatively Low$1.8M/yr expected annual loss, about once every 4 years
  • EarthquakeVery Low$379K/yr expected annual loss, about once every 614 years
  • Strong windRelatively Moderate$582K/yr expected annual loss, about 4.2 events a year
  • Ice stormRelatively Low$64.4K/yr expected annual loss, about once every 1 year
  • HailRelatively Low$178K/yr expected annual loss, about 4.0 events a year
  • HurricaneVery Low$26.2K/yr expected annual loss, about once every 87 years
  • Cold waveRelatively Low$324K/yr expected annual loss, about 3.7 events a year
  • LandslideVery Low$161/yr expected annual loss, about once every 16 years
  • LightningVery Low$59.1K/yr expected annual loss, about 43 events a year
  • Winter weatherVery Low$14.3K/yr expected annual loss, about 10 events a year
  • Heat waveVery Low$42.2K/yr expected annual loss, about 5.1 events a year
  • WildfireVery Low$1,618/yr expected annual loss, about once every 90,997 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, drought, 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
13 of 10,073 (0.1%)
Homes in high-risk flood zones
163
Insured in high-risk zones
11 (7%)
Flood claims since 1978
43
Claims paid since 1978
$523K

Flood claims paid per year

Flood claims paid per year in Jay County
Beta
  • Flooding$4,325 · 2 claims

Storm history

Since 1996: 212 events, 2 deaths, $4.2M in damage

  • Thunderstorm Wind73
  • Winter Weather30 · 2 deaths
  • Hail27
  • Winter Storm18
  • Heavy Snow12
  • Tornado11
  • Flood9
  • High Wind9
  • Flash Flood9
  • Ice Storm4
Beta

Events per year

Storm events per year in Jay County
7
10
4
6
13
7
11
6
11
3
4
8
7
1
10
5
8
5
14
9
Beta

19 tornadoes on record (EF0 4, EF1 2, EF2 2, F0 1, F1 5, F2 3, F4 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Winter Weather12/06/2008

    Jay

    1 death

    What happened

    Light snow developed early on Saturday, December 6th, and continued through the day. Snowfall accumulations were light, generally less than an inch across the region. However, the light snow was enough to create hazardous driving conditions and icy roadways with 1 fatality reported. A man was killed when his car slid off the road, striking a tree in Richland Township. The accident occurred on Indiana 67, south and west of County Road 700 West. The accident occurred at 11:21 am on December 6th.

  • Winter Weather11/24/2008

    Jay

    1 death

    What happened

    A 51 year old man from Dunkirk was killed in a rollover accident as his Dodge Dakota hit an icy patch on a bridge on County Road 200 South, near County Road 800 West. The truck went over a guard rail, off the road, struck a tree, before continuing into a field, where it rolled and came to rest upright. The passenger was pronounced dead at the scene.

  • Flood02/28/2011

    Fiat, Jay County

    $1.5M damage

    What happened

    County officials and local newspapers reported widespread flooding from a combination of local creeks and rivers overflowing and ponding of water in slow drainage areas. Much of the city of Portland, as well as New Corydon suffered flooding damage. Water depths of several inches to over a foot were reported in businesses and homes. In addition, several roads were closed, including US 27 which passes through Portland. Flooding began to subside by later on the 28th, but rivers continued to respond to the heavy rainfall. No damage amounts were available at the time of entry.

  • High Wind52 kt wind03/14/2026

    Jay

    1 injured, $28K damage

    What happened

    Report of a barn roof damaged near Blaine and a tree was uprooted onto a mobile home near Portland. Semi truck blown over near Bluff Point.

  • High Wind51 kt wind03/13/2026

    Jay

    1 injured, $15K damage

    What happened

    Huntington AWOS recorded a 59 mph wind gust. Emergency Manager reported a tree blown down onto a house in Huntington. No injuries reported. They also reported power lines down around the county.

  • Ice Storm01/06/2005

    Jay

    1 injured

    What happened

    A significant ice storm affected portions of northern and central Indiana beginning early on the 5th of January and continuing into the 6th. Locations generally along and south of a Francesville to Fort Wayne line experienced ice accumulations ranging from a quarter inch to nearly 2 inches. Numerous reports of trees, tree limbs and power lines knocked down were received. The damage, combined with many areas of power outages and dangerous driving conditions forced schools in the area to close, with some remaining closed for several days as cleanup continued. Some locations were without power for nearly a week after the storm. The hardest hit counties were Grant, Jay and Blackford where 1.5 to 2 inches of ice accumulated, resulting in power loss to nearly 80 percent of all property in each county. One death, indirectly related to the storm, was reported in Adams county. A 44 year old man was found dead as a result of carbon monoxide poisoning. The gentleman was running a generator in his garage as a result of the power outage. Another resident of the home was not affected by the carbon monoxide. An injury was reported in Portland in Jay county. A firefighter was injured when a...

Drinking water

4 community water systems serve about 10,543 people. Violations since 2021.

None of the systems serving this county had a health-based violation in this period.

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

Pollution sites

0 Superfund sites and 6 toxic release facilities in Jay County

Superfund sites

None in this county.

Toxic release facilities

Total: 48,796 lbs in 2024, 48,775 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk5 historic places

Frequently asked questions

How risky is Jay County for natural disasters?
FEMA rates Jay County very low for overall natural hazard risk, with expected losses of $7.6M a year. The highest-rated hazards are tornado (relatively low), earthquake (very low), strong wind (relatively moderate).
What storms are most common in Jay County?
Since 1996, NOAA recorded 212 storm events affecting Jay County, most often thunderstorm wind (73), winter weather (30), hail (27).
How many tornadoes have hit Jay County?
19 tornadoes have been recorded in Jay County since 1950, including 1 rated F3/EF3 or stronger.
How many homes in Jay County have flood insurance?
13 residential flood insurance policies are in force in Jay County, covering about 0.1% of homes. The program has paid $523K on 43 claims here since 1978.
What is the weather like in Jay County?
At Portland 1 SW, average highs reach 84°F in Jul and lows fall to 17°F in Jan, with 39.9 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.

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