Adams County, Indiana: hazard risk
FEMA rates Adams County's overall risk Relatively Low (score 52.1 of 100, higher than 52% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by strong wind. Its storm record holds 357 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Strong Wind | Relatively High | 85.7 | $1.1M |
| Tornado | Relatively Moderate | 75.9 | $2.3M |
| Heat Wave | Relatively Low | 65.4 | $519K |
| Earthquake | Relatively Low | 62.9 | $373K |
| Riverine Flooding | Relatively Low | 61.3 | $6.6M |
| Hail | Relatively Low | 57.4 | $241K |
| Cold Wave | Relatively Low | 46.4 | $575K |
| Lightning | Relatively Low | 40.3 | $112K |
| Ice Storm | Relatively Low | 32.2 | $25K |
| Winter Weather | Relatively Low | 30.7 | $21K |
| Hurricane | Very Low | 39.8 | $20K |
| Landslide | Very Low | 32.2 | $254 |
| Wildfire | Very Low | 10.4 | $2K |
| Drought | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Winter storms | 109 | 4 | $71K | 24th of 91 | 524th of 3,077 |
| Severe thunderstorm wind | 104 | 2 | $1.1M | 75th of 91 | 1107th of 3,080 |
| Hail | 78 | 0 | $118K | 35th of 91 | 980th of 3,080 |
| Tornadoes | 22 | 1 | $247M | 14th of 91 | 289th of 3,080 |
| Floods | 17 | 1 | $8.7M | 79th of 91 | 1730th of 3,080 |
| High wind and dust storms | 14 | 0 | $80K | 49th of 91 | 1520th of 3,080 |
| Lightning | 6 | 0 | $793K | 14th of 91 | 421st of 3,080 |
| Extreme cold | 5 | 0 | – | 38th of 91 | 1426th of 3,076 |
| Heavy rain | 1 | 0 | – | 42nd of 91 | 1661st of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Adams County record: every hazard by year and month, the deadliest events and FEMA's declarations.