Natural Disasters in Spencer, IN

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

35.1

Very Low

Expected Annual Loss

36.8

Score (0-100)

Social Vulnerability

47.1

Score (0-100)

Community Resilience

43.4

Score (0-100)

Top Hazard Risks

Landslide89.3Strong Wind82.7Earthquake61.2
HazardRisk Score
Landslide89.3
Strong Wind82.7
Earthquake61.2
Winter Weather56.8
Hail52.4
Ice Storm50.0
Heat Wave49.8
Drought46.5
Tornado45.8
Cold Wave37.8
Lightning19.6
Hurricane12.3
Wildfire11.5

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

19

Most Recent

Winter Storm

Jan 2026

Most Common Type

Severe Storm

11 declarations

DateTypeDeclaration
Jan 24, 2026Winter StormSEVERE WINTER STORM
Jul 22, 2025FloodSEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING
Apr 15, 2023Severe StormSEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES
Apr 3, 2020BiologicalCOVID-19 PANDEMIC
Mar 13, 2020BiologicalCOVID-19
Apr 22, 2014Severe StormSEVERE WINTER STORM AND SNOWSTORM
Jun 8, 2008Severe StormSEVERE STORMS, FLOODING, AND TORNADOES
Sep 10, 2005HurricaneHURRICANE KATRINA EVACUATION
Jan 21, 2005Severe StormSEVERE WINTER STORMS AND FLOODING
Jan 11, 2005SnowstormSNOW
Sep 1, 2004Severe StormSEVERE STORMS, TORNADOES AND FLOODING
Jun 3, 2004Severe StormSEVERE STORMS, TORNADOES, AND FLOODING
Sep 5, 2003Severe StormSEVERE STORMS, TORNADOES, AND FLOODING
Jul 11, 2003Severe StormSEVERE STORMS, TORNADOES, AND FLOODING
Sep 25, 2002Severe StormSEVERE STORMS AND TORNADOES
Jun 13, 2002Severe StormSEVERE STORMS, TORNADOES AND FLOODING
Jul 22, 1998Severe StormSEVERE STORMS AND TORNADOES, AND FLOODING
Apr 2, 1996FloodBLIZZARD OF 96
Jan 5, 1991FloodSEVERE STORMS & FLOODING

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

808

Total IA Distributed

$2,778,482

Repair/Replace

$1,919,707

Rental Assistance

$298,803

DisasterRegistrationsTotal IA $Avg Damage
DR-1766555$2,024,343$4,134
DR-157386$294,803$3,127
DR-4704113$281,722$7,066
DR-451511$82,086—
DR-152027$51,858$1,018
DR-148716$43,670$3,344

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

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

146

Total Claims Paid

$3,592,881

Avg Claim Payout

$24,609

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

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$2,206,389

Disasters with PA

10

Total Projects

158

DisasterTypeProjectsFederal $
DR-1766Severe Storm(s)106$1,223,961
DR-4882Severe Storm(s)6$356,772
DR-1418Severe Storm(s)7$187,048
DR-1573Severe Storm(s)16$170,285
DR-4704Tornado7$100,382
DR-1542Severe Storm(s)4$58,620
DR-3197Snow3$37,020
DR-1520Severe Storm(s)5$35,016
DR-1476Severe Storm(s)3$25,236
DR-4515Biological1$12,050

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

1

Federal Funding

$637,996

Properties Protected

17

Avg Benefit-Cost Ratio

0.00

BCR

Top Mitigation Project Types

Project TypeProjectsFederal $
200.1: Acquisition of Private Real Property (Structures and Land) - Riverine; 200.5: Acquisition of Vacant Land1$637,996

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

Spencer has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are landslide, strong wind, earthquake. The area has had 19 federal disaster declarations. The most common disaster type is severe storm (11 declarations). 146 flood insurance claims have been filed in the area. FEMA has obligated $2,206,389 in public assistance recovery funding. $2,778,482 has been distributed in individual assistance to disaster-affected residents. 1 hazard mitigation projects have been funded to reduce future risk.