Monroe County, IN Environment & Hazard Risk

• Strong windRelatively High$2.23M/yr expected annual loss, about 4.9 events a year
• Winter weatherRelatively High$413K/yr expected annual loss, about 8.3 events a year
• EarthquakeRelatively Low$3.9M/yr expected annual loss, about once every 400 years
• Heat waveRelatively Moderate$2.12M/yr expected annual loss, about 5.6 events a year
• TornadoRelatively Moderate$4.67M/yr expected annual loss, about once every 3 years
• HailRelatively Moderate$730K/yr expected annual loss, about 3.9 events a year
• Ice stormRelatively Moderate$179K/yr expected annual loss, about once every 2 years
• LightningRelatively Moderate$388K/yr expected annual loss, about 50 events a year
• Cold waveRelatively Low$1.39M/yr expected annual loss, about 1.7 events a year
• LandslideVery Low$1,894/yr expected annual loss, about once every 1 year
• WildfireVery Low$16.11K/yr expected annual loss, about once every 55,712 years
• DroughtVery Low$23.89K/yr expected annual loss, about 3.0 events a year
• HurricaneVery Low$9,010/yr expected annual loss, about once every 174 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.

Check the flood zone for an address

Homes with flood insurance

169 of 44,396 (0.4%)

Homes in high-risk flood zones

506

Insured in high-risk zones

83 (16%)

Flood claims since 1978

126

Claims paid since 1978

$3.79M

• Thunderstorm Wind149 · 1 death
• Hail104
• Flood25 · 3 deaths
• Flash Flood25 · 2 deaths
• Winter Storm21
• Heavy Snow13
• Tornado12
• Drought12
• High Wind9
• Winter Weather3

• Flash Flood06/19/2021

  Arlington, Monroe County

  1 death, 1 injured, $25M damage

  What happened

  A 31 year old male was swept away in a vehicle in floodwaters from clear creek near the intersection of College Avenue and Dodds Street. Another person of unknown age and sex was also in the vehicle at the time but was able to escape with only minor injuries. Numerous videos and pictures showed standing water along portions of the downtown including Walnut Street. Many businesses in the area remained shut down for a week to clean up issues related to the flood waters. Water rushed into a nursing home which required the building to evacuate.

• Flood04/05/2014

  Mt Tabor, Monroe County

  2 deaths, $9,000 damage

  What happened

  WTHI-TV reported that Indiana Conservation Officers said the morning of Saturday the 5th; they were searching for two missing people after their vehicle became submerged in flood waters. Their bodies were found later Saturday afternoon.||Officers were looking for a 24-year-old female and a 5-year-old boy, of Paragon. Both went missing early Saturday morning.||According to DNR officials, a female driver, the deceased female, and the deceased boy were traveling in a car on Moon Road when they became lost Saturday. The three were trying to make their way back to Paragon.||The driver of the car attempted to drive through high water. Officials say the road did not have a high water sign because it is so infrequently traveled.||After the driver entered the water, she tried to reverse, but the car was taken into the water. The two deceased could not swim, so the driver told them to get on top of the car while she swam to get help at a nearby home.||When the driver returned from getting help, the car, along with the two, were gone.||Officers searched the area for hours Saturday. Around 4:20 p.m., the boy's body was found in the flood waters. The female's was found shortly after, around...

• TornadoEF2, 3.73 mi path, 440 yd wide02/20/2026

  (Bmg)mnroe Co Arpt B, Monroe County

  $20M damage

  What happened

  An EF-2 tornado tracked 3.73 miles through west-central Monroe County, across the Bloomington Airport up to the Interstate Route 69 interchange with Indiana Route 48. The maximum path width was 440 yards with the tornado causing significant damage to neighborhoods, apartments, businesses, and portions of the airport. Extensive tree damage also occurred.||The tornado first developed in wooded areas west of the airport before rapidly intensifying as it moved into a small neighborhood just west of the airport. This area experienced the event's most intense winds, extensive tree damage along with multiple points of structural damage to homes. As the tornado progressed eastward, it caused damage to an airplane hangar. While passing over the airfield, the KBMG ASOS recorded a wind gust of 70 mph. The tornado continued east-northeast, damaging numerous homes before striking a newly constructed neighborhood where additional high-end EF-1 to low-end EF-2 damage occurred. Additional EF-1 damage was observed further northeast at an apartment complex. After producing damage to a bank overhang and causing roofing damage to several warehouse structures, the tornado dissipated near the...

• TornadoF3, 10.5 mi path, 150 yd wide09/20/2002

  Ellettsville, Monroe County

  $10.02M damage

  What happened

  One of Indiana's longest tracking tornados formed along a squall line on the morning of September 20. The tornado touched down near Ellettsville in Monroe county and then remained on the ground for 112 miles before lifting in Blackford county. The tornado produced F3 damage at its strongest points. Nearly 100 single family homes were destroyed, along with several mobile homes. Some apartments were also destroyed. Many businesses and hundreds of homes received damage. Several counties were declared disaster areas.

• Flood01/28/2007

  Unionville, Monroe County

  1 death, $10K damage

  What happened

  Lake Monroe flooded due to January rains. A man was killed when he drove into flooded local roads.

• Thunderstorm Wind43 kt wind06/02/2018

  Payne, Monroe County

  1 death

  What happened

  WTHR-13 reported that Indiana Conservation officers found the body of 26-year-old man around 7:30pm Sunday the 3rd while searching Monroe Lake with side scan sonar equipment. He was in about 15 feet of water near the area where he had been swimming from his boat.||An Indiana Department of Natural Resources spokesperson said the man was swimming off a pontoon he rented with three friends when he disappeared Friday evening as a thunderstorm with strong winds passed overhead.||Friends say the man was a good swimmer, which might have been why he went into the water without a life jacket. When a storm suddenly kicked up out on the lake though, it was too much for him.

• Thunderstorm Wind50 kt wind06/18/2026

  (Bmg)mnroe Co Arpt B, Monroe County

  $10K damage

• Thunderstorm Wind50 kt wind06/18/2026

  Ellettsville, Monroe County

  $2,000 damage

• TornadoEF3, 15.44 mi path, 880 yd wide06/18/2026

  Stinesville, Monroe County

  1 injured, $2M damage

• Thunderstorm Wind52 kt wind04/28/2026

  Elwren, Monroe County

  $20K damage

• Hail1" hail04/27/2026

  Bloomington, Monroe County

• Hail1.25" hail04/27/2026

  Clear Creek, Monroe County

• Hail1" hail04/27/2026

  Bloomington, Monroe County

• Hail1" hail04/27/2026

  Bloomington, Monroe County

• Unnamed storm (1915)08/05/1915 · Landfall: TX · 940 mbTropical storm40 mph nearby

• City of Bloomington UtilitiesServes 83,000 · Surface water · Local government1 health violation+1 monitoring or reporting
• Ellettsville Water WorksServes 14,500 · Purchased surface water · Local governmentNo health violations+1 monitoring or reporting
• Southern Monroe Water AuthorityServes 8,877 · Purchased surface water · PrivateNo health violations
• Van Buren Water, INC.Serves 6,670 · Purchased surface water · Local government1 health violation+2 monitoring or reporting
• B&b Water Project, INC.Serves 4,695 · Purchased surface water · PrivateNo health violations
• Washington Twp Water AuthorityServes 3,825 · Purchased surface water · Local governmentNo health violations
• East Monroe Water CorporationServes 3,648 · Purchased surface water · Local governmentNo health violations+2 monitoring or reporting
• Rhs Water CorporationServes 870 · Purchased surface water · PrivateNo health violations+4 monitoring or reporting