Natural Disasters in Melody Hill, IN

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

91.3

Relatively Moderate

Expected Annual Loss

90.4

Score (0-100)

Social Vulnerability

48.5

Score (0-100)

Community Resilience

86.0

Score (0-100)

Top Hazard Risks

Earthquake97.2Tornado95.9Strong Wind95.9

Hazard	Risk Score
Earthquake	97.2
Tornado	95.9
Strong Wind	95.9
Winter Weather	95.8
Heat Wave	93.4
Ice Storm	92.5
Cold Wave	86.0
Hail	82.9
Lightning	79.9
Drought	52.8
Hurricane	42.8
Wildfire	31.2
Landslide	22.9

Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.

Disaster Declarations

Source: FEMA OpenFEMA

Total Declarations

Most Recent

Winter Storm

Jan 2026

Most Common Type

Severe Storm

11 declarations

Date	Type	Declaration
Jan 24, 2026	Winter Storm	SEVERE WINTER STORM
Jul 22, 2025	Flood	SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING
Apr 3, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
May 4, 2018	Flood	SEVERE STORMS AND FLOODING
Apr 22, 2014	Severe Storm	SEVERE WINTER STORM AND SNOWSTORM
Jun 23, 2011	Severe Storm	SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND
Mar 5, 2009	Severe Storm	SEVERE WINTER STORM
Sep 23, 2008	Severe Storm	SEVERE STORMS AND FLOODING
Oct 6, 2006	Severe Storm	SEVERE STORMS AND FLOODING
Nov 8, 2005	Tornado	TORNADO AND SEVERE STORMS
Sep 10, 2005	Hurricane	HURRICANE KATRINA EVACUATION
Jan 21, 2005	Severe Storm	SEVERE WINTER STORMS AND FLOODING
Jan 11, 2005	Snowstorm	SNOW
Jun 3, 2004	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
Jul 11, 2003	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
Sep 25, 2002	Severe Storm	SEVERE STORMS AND TORNADOES
Mar 6, 1997	Severe Storm	SEVERE STORMS AND FLOODING
Jul 3, 1996	Severe Storm	SEVERE STORMS AND FLOODING
Jan 5, 1991	Flood	SEVERE STORMS & FLOODING

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

1,863

Total IA Distributed

$5,618,018

Repair/Replace

$1,766,182

Rental Assistance

$115,378

Disaster	Registrations	Total IA $	Avg Damage
DR-4483	1	N/A	—
DR-4515	532	$3,300,436	—
DR-1662	833	$1,720,487	$2,235
DR-1612	306	$450,569	$7,695
DR-1476	30	$60,789	$1,195
DR-4363	18	$30,777	$2,527
DR-1520	101	$24,155	$542
DR-4534	4	$14,622	—
DR-1573	15	$13,893	$1,579
DR-1795	23	$2,291	$632

Individual and household assistance for homeowners and renters affected by federally declared disasters.

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

820

Total Claims Paid

$7,457,956

Avg Claim Payout

$9,095

County-level NFIP data from FEMA National Flood Insurance Program.

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$19,852,667

Disasters with PA

Total Projects

142

Disaster	Type	Projects	Federal $
DR-4515	Biological	18	$14,518,483
DR-1828	Severe Storm(s)	35	$1,750,774
DR-1997	Severe Storm(s)	26	$1,427,217
DR-1795	Severe Storm(s)	26	$664,338
DR-4363	Flood	11	$473,907
DR-1612	Tornado	11	$455,322
DR-4882	Severe Storm(s)	6	$336,859
DR-3197	Snow	7	$145,263
DR-4173	Severe Storm(s)	2	$80,504

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$1,085,467

Properties Protected

Avg Benefit-Cost Ratio

2.40

BCR

Top Mitigation Project Types

Project Type	Projects	Federal $
200.1: Acquisition of Private Real Property (Structures and Land) - Riverine	3	$626,558
91.1: Local Multihazard Mitigation Plan	2	$82,191
206.2: Safe Room (Tornado and Severe Wind Shelter) - Public Structures	1	$0
103.2: Feasibility, Engineering, and Design Studies - Safe Rooms; 206.1: Safe Room (Tornado and Severe Wind Shelter) - Private Structures	1	$0
103.2: Feasibility, Engineering, and Design Studies - Safe Rooms; 206.2: Safe Room (Tornado and Severe Wind Shelter) - Public Structures	1	$0

Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.

Melody Hill has a relatively moderate overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are earthquake, tornado, strong wind. The area has had 20 federal disaster declarations. The most common disaster type is severe storm (11 declarations). 820 flood insurance claims have been filed in the area. FEMA has obligated $19,852,667 in public assistance recovery funding. $5,618,018 has been distributed in individual assistance to disaster-affected residents. 10 hazard mitigation projects have been funded to reduce future risk.