FEMA Records
15
Below median
Indiana · FEMA + NOAA + National Risk Index
Tipton County, IN
15 FEMA disaster declarations (1977-2026), with a FEMA National Risk Index rating of Very Low. Most common hazard: Severe Storm.
- 15
- FEMA declarations
- 9
- Major disasters
- 9
- NRI risk · Very Low
- Severe Storm
- Top hazard
The verdict
Tipton County has a nationally busy FEMA history: 15 declarations, more than 23% of counties in this registry. But the state comparison tempers that reading: the total is 12% below the Indiana county mean. FEMA's separate National Risk Index places the county safer than 9%; that score models loss and vulnerability rather than counting declarations.
- Safer than 9%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 15
- FEMA declarations vs 21 national county avg
- 97
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
FEMA OpenFEMA declaration desk
County FIPS 18159 · Tipton County 15 declarations · rank 2440/3,266
DECL-MID · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-MID 15
- MAJOR-MID 60%
- RANK-LOWER #2,440
- PHOTO-FINISH Polk
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Severe Storm
- VS-ST-BELOW -12%
Nearest declaration peer: Polk, OR (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Indiana state profile
Tipton County among counties with fewer federal records
FEMA declaration records among Tipton County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Flathead · near 15
Flathead · near
15 declarations
- Murray · near 15
Murray · near
15 declarations
- Polk · near 15
Polk · near
15 declarations
- Tipton · this county 15
Tipton · this county
15 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Tipton County carries 15 FEMA declaration records, ranked 2440 of 3,266 counties in this registry.
Tipton County versus quieter counties in this dataset
Tipton County among lower-declaration counties nationally
FEMA disaster declarations, all-time · Tipton County
15 23rd percentile higher than 23% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-25
Tipton County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Tipton County is led by Riverine Flooding (about $3.5M Expected Annual Loss, Historical Loss Ratio Relatively Low), while Drought carries the highest National Risk Index rating (Relatively Low). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Tipton County's hazard record show?
Reading the federal records together
The NFIP claims register shows a middle-volume loss record here: 97 paid claims, totaling $1.6M. PlainHazard uses 50-499 claims for this descriptive band; FEMA does not publish it as a safety or coverage category. The $16.5K average describes payments on recorded claims only, leaving uninsured damage and properties without a claim outside the measure.
Start with the state benchmark: a Indiana county averages 17.1 federal declaration records, while Tipton County has 15. The gap is 12% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
FEMA National Risk Index
FEMA's National Risk Index places this county in the low end of the national distribution, composite score 8.9/100 (Very Low). Expected Annual Loss is rated Very Low (roughly $6.9M in annualized losses). Two modifiers shape how that exposure becomes real-world harm here: social vulnerability (Very Low) and community resilience (Very High). Even the county's top-rated hazard, Drought, only reaches Relatively Low on FEMA's scale, none of the 18 modeled hazards stand out here. FEMA's modeled frequency puts that hazard at 1.1 modeled event-days per year here, based on 28 historical events on record.
55 /100
Historical Activity Index
High historical activity
Tipton County, IN · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) Moderate
11/30
15 OpenFEMA declarations, full ingest window (0.7x national county average)
County Disaster Density Moderate
11/25
15 declarations (0.9x state county average of 17)
Major Disaster Share High
15/25
9 of 15 declarations are major disasters (60%)
Hazard Diversity Very High
18/20
7 different disaster types declared in Tipton County
FEMA NRI 8-hazard radar - Tipton County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
60%
Major-heavy
NRI risk score
9
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Tipton County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Drought | Relatively Low | 1.1 modeled event-days per year |
| Earthquake | Very Low | roughly once every 572 years |
| Tornado | Relatively Low | roughly once every 5 years |
| Hail | Very Low | an average of 4.4 times per year |
| Heat Wave | Very Low | 4.3 modeled event-days per year |
| Cold Wave | Relatively Low | an average of 3.6 times per year |
| Strong Wind | Relatively Low | an average of 5.1 times per year |
| Winter Weather | Very Low | an average of 9.7 times per year |
| Ice Storm | Very Low | roughly once every 1 years |
| Riverine Flooding | Very Low | roughly once every 1 years |
| Hurricane | Very Low | roughly once every 76 years |
| Landslide | Very Low | roughly once every 26 years |
| Lightning | Very Low | an average of 45 times per year |
| Wildfire | Very Low | roughly once every 88,288 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 5
Snowstorm 3
Biological 2
Flood 2
Winter Storm 1
Hurricane 1
Severe Ice Storm 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Tipton County's record, 33% of its declarations. In FEMA's vocabulary this covers convective weather: thunderstorm straight-line winds, large hail, and the multi-day outbreaks that often carry embedded tornadoes. Activity is heaviest in spring and summer, though the season varies by region.
These events behave differently from a hurricane on paper. Damage tends to be distributed along a storm track rather than concentrated on a coastline, and a declaration typically follows an outbreak that crossed several counties over a few days, not a single point of impact. Because the qualifying threshold is the cost of uninsured public and individual losses rather than storm intensity, two similar storms can produce a declaration in one year and none in another.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 9 60.0%
of all 15 declarations
Emergency - 6 40.0%
of all 15 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 1 | |
| 2020 | 2 | |
| 2014 | 1 | |
| 2007 | 1 | |
| 2005 | 2 | |
| 2004 | 1 | |
| 2003 | 1 | |
| 2002 | 1 | |
| 1999 | 1 | |
| 1996 | 1 | |
| 1991 | 2 | |
| 1977 | 1 | |
Disaster Declarations
How the 15 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 15 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 3641 | SEVERE WINTER STORM | EM | Winter Storm | 2026-01-24 |
| 4515 | COVID-19 PANDEMIC | DR | Biological | 2020-04-03 |
| 3456 | COVID-19 | EM | Biological | 2020-03-13 |
| 4173 | SEVERE WINTER STORM AND SNOWSTORM | DR | Severe Storm | 2014-04-22 |
| 3274 | SNOW | EM | Snowstorm | 2007-03-12 |
| 3238 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-10 |
| 1573 | SEVERE WINTER STORMS AND FLOODING | DR | Severe Storm | 2005-01-21 |
| 1520 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2004-06-03 |
| 1476 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2003-07-11 |
| 1433 | SEVERE STORMS AND TORNADOES | DR | Severe Storm | 2002-09-25 |
| 3135 | IN-WINTER STORM 12/23/98 | EM | Snowstorm | 1999-01-15 |
| 1109 | BLIZZARD OF 96 | DR | Flood | 1996-04-02 |
| 899 | SEVERE ICE STORM | DR | Severe Ice Storm | 1991-03-29 |
| 891 | SEVERE STORMS & FLOODING | DR | Flood | 1991-01-05 |
| 3028 | SNOWSTORMS | EM | Snowstorm | 1977-02-02 |
Storm Events in Indiana
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Tipton County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 4,886 | 16 | 73 | $57.6M |
| Hail | 1,643 | 0 | 0 | $1.7M |
| Winter Weather | 1,166 | 32 | 80 | $2.5M |
| Flood | 850 | 13 | 3 | $16.0M |
| Flash Flood | 648 | 14 | 5 | $97.9M |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
97
Total Paid
$1.6M
Avg Per Claim
$16.5K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 8.9/100
Expected Annual Loss
Very Low
$6.9M/year
Social Vulnerability
Very Low
Community Resilience
Very High
Hazard Risk Breakdown
Drought Relatively Low
Earthquake Very Low
Tornado Relatively Low
Hail Very Low
Heat Wave Very Low
Cold Wave Relatively Low
Strong Wind Relatively Low
Winter Weather Very Low
Ice Storm Very Low
Riverine Flooding Very Low
Hurricane Very Low
Landslide Very Low
Lightning Very Low
Wildfire Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Drought
Drought is the slowest of the modeled hazards and the least visible: it does its damage to agriculture, water supply and soil over seasons rather than hours, so it rarely produces the kind of single-day damage that drives a disaster declaration. FEMA scores it in event-days per year rather than discrete events for exactly that reason.
Worth noting for Tipton County: the model and the federal record do NOT point at the same hazard. Drought carries the highest modeled rating (Relatively Low), while the county's declaration history is led by Severe Storm. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Tipton County's closest FEMA peer: Manassas (city), VA
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Tipton County. Record similarity, not a safety rating.
Closest declaration profiles
Tipton County shows 15 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Tipton County: 9 of 15 of its declarations are Major.
Similar modeled NRI score
Tipton County: NRI composite 8.9 (Very Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Tipton County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Tipton County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 8.9 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 15. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Understanding disaster data
Tipton County's NFIP claims file (97 claims) and FEMA declaration history measure different federal records - this guide separates them from modeled NRI risk.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Frequently Asked Questions
What is the most common disaster type in Tipton County?
The most common disaster type in Tipton County is Severe Storm, with 5 declarations. Other disaster types include Snowstorm (3), Biological (2), Flood (2).
How does Tipton County's FEMA declaration record compare with the Indiana average?
The typical Indiana county has 17.1 FEMA declaration records; Tipton County has 15, or 12% fewer. Against the national county mean of 20.7, this county's total is 28% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Tipton County received?
Tipton County has received 9 major disaster declarations, representing 60% of all 15 disaster declarations.
How many flood insurance claims has Tipton County filed?
Tipton County has 97 National Flood Insurance Program (NFIP) claims totaling $1.6M in payments, with an average of $16.5K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Tipton County?
No. In Tipton County, Drought has the highest National Risk Index rating (Relatively Low), while Riverine Flooding leads Expected Annual Loss at about $3.5M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Tipton County?
The most active year for disaster declarations in Tipton County was 1991, with 2 declarations. The county has FEMA disaster data spanning 1977 to 2026.
What is the FEMA National Risk Index score for Tipton County?
According to the FEMA National Risk Index, Tipton County, Indiana has an overall risk score of 8.9 out of 100 (Very Low). The county's social vulnerability rating is Very Low and community resilience is Very High. The Expected Annual Loss (EAL) score is Very Low, representing $6.9M in annualized losses.
Which natural hazard poses the greatest risk to Tipton County?
FEMA's NRI data points to Tipton County as of the latest release is Drought (risk rating: Relatively Low). Other significant hazards include Earthquake (Very Low) and Tornado (Relatively Low). FEMA's modeled event frequency puts drought here at 1.1 modeled event-days per year, drawn from 28 historical events on record. These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
FEMA OpenFEMA declarations + NRI for Tipton County · vintage 2026-08-25 · Methodology · Indiana profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events