Carmel, IN
Local storm history & FEMA National Risk Index data
Carmel is rated Relatively Moderate for overall natural hazard risk — near the middle compared to other US counties — based on FEMA's National Risk Index for Hamilton County, IN. The county's highest-rated hazards are tornado, hail, and winter weather.
Storm events near Carmel
NOAA-recorded tornado, hail, and flood events within 25 miles of Carmel's center, 2016–2026 — the only hazards NOAA reports with exact coordinates, so these counts are specific to Carmel itself, not the whole county.
County-wide hazard risk
Every other hazard FEMA and NOAA track — including drought — is only scored at the county level. These are Hamilton County's FEMA National Risk Index scores, covering Carmel along with the rest of the county, not a Carmel-specific figure.
| Hazard | NRI score | Rating |
|---|---|---|
| Wildfire | 20.3 | Very Low |
| Inland Flooding | 91.1 | Relatively Moderate |
| Coastal Flooding | — | Not Applicable |
| Earthquake | 84.9 | Relatively Low |
| Heat Wave | 86 | Relatively Moderate |
| Tornado | 96.8 | Relatively High |
| Avalanche | — | Not Applicable |
| Cold Wave | 86.1 | Relatively Moderate |
| Drought | 51.5 | Relatively Low |
| Hail | 93.5 | Relatively Moderate |
| Hurricane | 25.6 | Very Low |
| Ice Storm | 73.4 | Relatively Moderate |
| Landslide | 47.6 | Very Low |
| Lightning | 83.9 | Relatively High |
| Strong Wind | 80.8 | Relatively Moderate |
| Tsunami | — | Not Applicable |
| Volcanic Activity | — | Not Applicable |
| Winter Weather | 91.2 | Relatively High |
Source: FEMA National Risk Index v1.20.0, December 2025. See the methodology page for definitions, or the full Hamilton County risk profile for disaster declarations, social vulnerability, and climate projection data.
Other cities in Hamilton County:
More on Hamilton County:
Frequently asked questions
What natural hazards is Carmel, IN at risk of?
Carmel is rated Relatively Moderate for overall natural hazard risk by FEMA's National Risk Index — near the middle compared to other US counties. The highest-rated hazards for Hamilton County, where Carmel is located, are tornado, hail, and winter weather.
What is Carmel's biggest natural hazard risk?
Tornado is the highest-rated hazard for Hamilton County, where Carmel is located, scoring 96.8 out of 100 on FEMA's National Risk Index (rated "Relatively High").
Is Carmel a high-risk area for natural disasters?
Somewhat — Carmel carries near the middle compared to other US counties for overall natural hazard risk, per FEMA's National Risk Index rating of "Relatively Moderate" for Hamilton County.
Has Carmel had tornadoes, hail, or flooding?
NOAA has recorded 19 tornado, 200 hail, 71 inland flooding events within 25 miles of Carmel since 2016.