White County
Indiana — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 39th
White County faces very low composite natural disaster risk (NRI Risk Index score 38.5, 39th national percentile), driven primarily by cold wave and hail exposure. Expected annual loss across all 18 hazard types is $13M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Cold Wave | Medium | 4.05 / yr | $2M |
| Hail | Low | 3.40 / yr | $506K |
| Earthquake | Low | 0.00 / yr | $476K |
| Strong Wind | Medium | 4.89 / yr | $709K |
| Tornado | Low | 0.40 / yr | $1M |
| Riverine Flood | Low | 0.57 / yr | $7M |
| Heat Wave | Low | 5.05 / yr | $281K |
| Landslide | Very Low | 0.08 / yr | $673 |
| Winter Weather | Low | 9.26 / yr | $42K |
| Hurricane | Very Low | 0.03 / yr | $21K |
| Lightning | Very Low | 44.72 / yr | $86K |
| Ice Storm | Very Low | 0.81 / yr | $11K |
| Drought | Very Low | 0.20 / yr | $476 |
| Wildfire | Very Low | 0.00 / yr | $2K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | 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 White County?
White County has a composite FEMA National Risk Index score of 38.5 out of 100, placing it in the Very Low category and the 39th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in White County?
The three highest-rated hazards are Cold Wave (Medium, $2M EAL), Hail (Low, $506K EAL), Earthquake (Low, $476K EAL). These account for most of the county's expected annual losses.
How does White County compare to other Indiana counties?
White County ranks #55 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. White County's $13M EAL is a statistical average, not a guarantee for any specific year or address.