FEMA rates relative tornado risk for Hamilton County as relatively high and reports historical annualized frequency of 0.30 events per year for the area.
FEMA summary
FEMA's profile for Hamilton County reports historical annualized frequency of 0.30 events per year for tornado. FEMA's relative risk rating for the area is relatively high; the annualized frequency is a separate measure.
Hazard metrics cover FEMA county-equivalent geographies rather than individual addresses or parcels. Use local or state hazard maps before making a property, insurance, retrofit, or evacuation decision.
Select a hazard to inspect FEMA's figures for Hamilton County.
Tornado
FEMA combines its area-wide loss estimate and community data in this relative rating. Event frequency appears separately below.
Relative FEMA score
97.5/100
FEMA annualizes recorded qualifying tornado occurrences across the FEMA geography and source period.
The area loss estimate combines FEMA's modeled losses to buildings, population, and agriculture across Hamilton County. It is not an estimate for a home or address.
City risk summary
For Carmel, FEMA rates tornado risk for Hamilton County as relatively high, with a relative score of 97.5/100. The next highest relative scores are lightning at 93.9/100 and hail at 93.4/100.
Using FEMA data for Hamilton County, Carmel is tied #2 among 10 covered Indiana entries for tornado risk; 2 entries share that score. Fishers is about 9.5 straight-line miles from the Carmel map point and uses the same FEMA geography.
For homeowners and movers
Preparedness actions
Living in Carmel? Learn how to handle water storage, sanitation, and security in a small space.
The map shows Carmel. All FEMA figures on this page cover Hamilton County.
The FEMA figures cover Hamilton County. Address-level conditions require local maps, building records, and property details.
FEMA rates relative tornado risk for Hamilton County as relatively high. Its historical annualized frequency is 0.30 events per year. Damage at a specific address also depends on the building, soil, elevation, and exact hazard zone.
Among 10 Indiana cities covered by this directory, Carmel is Tied #2 for relative tornado risk based on FEMA's score for Hamilton County. 2 covered cities share this rank because they use the same FEMA geography. Homes within Carmel can have different soil, elevation, construction, and hazard-zone conditions.
In FEMA's data for Hamilton County, the highest relative ratings are Tornado (Relatively High), Lightning (Relatively High), and Hail (Relatively Moderate). FEMA uses estimated losses and community data along with event frequency when assigning these ratings.
The hazard numbers cover Hamilton County. For an individual home, check local fault, flood, fire, evacuation, and building records for the exact address.
FEMA gives Hamilton County an overall relative risk rating of relatively moderate. Conditions at a specific home depend on its hazard zones, building type, maintenance, insurance, and access to evacuation routes and emergency services.
Start with this step: Identify the lowest-floor interior room or nearby rated shelter you can reach quickly. Enable Wireless Emergency Alerts and keep a battery-powered NOAA Weather Radio available. Use Ready.gov Tornadoes and local emergency guidance for a complete plan.
Distances are measured between city coordinates.
| City | Distance | Tornado rating | Relative score |
|---|---|---|---|
| Fishers, IN | 10 mi | Relatively High | 97.5 |
| Indianapolis, IN | 13 mi | Very High | 99.0 |
| Muncie, IN | 43 mi | Relatively Moderate | 89.6 |
| Lafayette, IN | 48 mi | Relatively Moderate | 83.7 |
| Bloomington, IN | 59 mi | Relatively Moderate | 82.2 |
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Hazard metrics come from FEMA National Risk Index v1.19.0 (March 2023). City population and coordinates come from SimpleMaps US Cities Database. For current conditions, use official local maps, warnings, inspections, and professional advice.