Jay County
Indiana — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 23th
Jay County faces very low composite natural disaster risk (NRI Risk Index score 22.9, 23th national percentile), driven primarily by tornado and earthquake exposure. Expected annual loss across all 18 hazard types is $8M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Tornado | Low | 0.28 / yr | $2M |
| Earthquake | Very Low | 0.00 / yr | $379K |
| Strong Wind | Medium | 4.24 / yr | $582K |
| Ice Storm | Low | 0.72 / yr | $64K |
| Hail | Low | 4.00 / yr | $178K |
| Hurricane | Very Low | 0.01 / yr | $26K |
| Riverine Flood | Low | 0.54 / yr | $4M |
| Cold Wave | Low | 3.68 / yr | $324K |
| Landslide | Very Low | 0.06 / yr | $161 |
| Lightning | Very Low | 43.09 / yr | $59K |
| Winter Weather | Very Low | 10.05 / yr | $14K |
| Heat Wave | Very Low | 5.05 / yr | $42K |
| Wildfire | Very Low | 0.00 / yr | $2K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Drought | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Jay County?
Jay County has a composite FEMA National Risk Index score of 22.9 out of 100, placing it in the Very Low category and the 23th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Jay County?
The three highest-rated hazards are Tornado (Low, $2M EAL), Earthquake (Very Low, $379K EAL), Strong Wind (Medium, $582K EAL). These account for most of the county's expected annual losses.
How does Jay County compare to other Indiana counties?
Jay County ranks #74 of 92 Indiana counties for overall natural disaster risk, with a very low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Jay County's $8M EAL is a statistical average, not a guarantee for any specific year or address.