Storm risk in Delaware County, Indiana

FEMA's overall hazard score for Delaware County is 76.34 (Relatively Low), 745th of 3,144 counties. Hail scores 85.81 (Relatively Moderate), strong wind 65.78 (Relatively Moderate) and tornado 90.39 (Relatively High). Expected hail loss is $46 per $1 million of buildings a year; NOAA logged 24 hail reports in Delaware County from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

Delaware County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of IN$0.1$1$10$100$1,000Hail: $46 per $1 million, 1,007th of 3,126 rated counties$46Hail1,007th of 3,126 countiesStrong wind: $9.79 per $1 million, 2,223rd of 3,121 rated counties$9.79Strong wind2,223rd of 3,121 countiesTornado: $277 per $1 million, 1,142nd of 3,144 rated counties$277Tornado1,142nd of 3,144 counties
  • Delaware County, coloured by its FEMA rating
  • all U.S. counties
  • each county in the state
  • U.S. median
  • state median

Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.

How FEMA rates Delaware County

HazardRatingScore (0 to 100)Rank in U.S.Rank in IN
OverallRelatively Low 76.34745 of 3,14415 of 92
HailRelatively Moderate 85.81447 of 3,12610 of 92
Strong windRelatively Moderate 65.781,077 of 3,12652 of 92
TornadoRelatively High 90.39303 of 3,12613 of 92

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$1,173,585$46 $40$22 1,007 of 3,12631 of 92
Strong wind$247,182$9.79 $25$20 2,223 of 3,12180 of 92
Tornado$7,006,570$277 $276$199 1,142 of 3,14446 of 92

Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.

What stands out in Delaware County

  • FEMA expects hail in Delaware County to cost $46 per $1 million of buildings a year: 2.08 times the U.S. median and 1.15 times the IN county median, ranked 1,007th of 3,126 counties nationally and 31st of 92 in Indiana.
  • FEMA expects strong wind in Delaware County to cost $9.79 per $1 million of buildings a year: 0.48 times the U.S. median and 0.39 times the IN county median, ranked 2,223rd of 3,121 counties nationally and 80th of 92 in Indiana.
  • FEMA expects tornado in Delaware County to cost $277 per $1 million of buildings a year: 1.39 times the U.S. median and 1.01 times the IN county median, ranked 1,142nd of 3,144 counties nationally and 46th of 92 in Indiana.
  • Applying FEMA's estimate to a $127,600 home, the average yearly loss in Delaware County is about $5.93 for hail and $1.25 for wind before any deductible; at the U.S. median county rates it would be $2.85 and $2.60.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Delaware County meets about 18.3 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1966, the median home in Delaware County is 60 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 88.3% of its 51,611 homes are at least 26 years old.
  • March to June holds 11 of the 24 hail reports in Delaware County (46 percent); the quietest month is February, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies Delaware County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.

$5.93hail, a year; $2.85 at the U.S. median county rate
$1.25strong wind, a year; $2.60 at the U.S. median county rate
$144hail and wind together over 20 years, at today’s rate

Formula: home value × Delaware County yearly loss ÷ building value. Hail: $1,173,585 ÷ $25,255,883,867 = 0.0000465. Wind: $247,182 ÷ $25,255,883,867 = 0.0000098. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.

Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.

Delaware County in plain numbers

  • Delaware County scores 76.34 in FEMA's overall hazard index (Relatively Low): 745th of 3,144 rated counties and 15th of 92 in Indiana.
  • Hail scores 85.81 (Relatively Moderate). FEMA expects $1,173,585 of hail damage to buildings in Delaware County a year, which is $46 per $1 million of buildings, 2.08 times the U.S. median.
  • Strong wind scores 65.78 (Relatively Moderate) with $247,182 of expected yearly building loss in Delaware County: $9.79 per $1 million of buildings, 0.48 times the U.S. median.
  • Tornado scores 90.39 (Relatively High) and FEMA's expected yearly tornado loss is $7,006,570, counting everything exposed, or $277 per $1 million of buildings in Delaware County.
  • FEMA's own event record for Delaware County averages 4.36 hail events and 4.50 strong-wind events a year.
  • NOAA logged 24 hail reports in Delaware County between 2014 and June 2026, on 12 days with stones of 1 inch or more; the largest was 2 inches.
  • In Delaware County, FEMA counts buildings worth 25.26 billion dollars and 111,870 residents.
  • Social vulnerability is Relatively Moderate in Delaware County.
  • Community resilience there is Very High, for 111,870 residents.
  • 1 city in Delaware County is covered on this site: Muncie. 12 Census ZIP areas have more than half of their land in the county.
  • Our guide range for a 2,000 sq ft asphalt roof in Muncie is $6,230 to $13,795.
  • Delaware County ranks 68 of the 194 counties with a page here for hail loss per $1 million of buildings, 108 for wind and 74 for tornado.
  • In Delaware County, July is the busiest month with 9 of the 24 reports (38 percent), against 1 report in January.
  • Delaware County's worst year was 2023, with 4 hail days at 1 inch or more and 7 reports. At the 2014 to 2025 pace that is 0.92 such days a year, one about every 13.1 months.
  • The median home in Delaware County was built in 1966; 70.3% of its 51,611 housing units date from before 1980, 88.3% from before 2000 and 4.4% from 2010 on.
  • Census puts the median home value in Delaware County at $127,600, and 66.5% of homes are lived in by their owners.
  • 1,062 single-family building permits were issued in Delaware County from 2014 to 2025, about 20.6 per 1,000 homes, peaking in 2022.
  • NOAA lists 6 tornado tracks in Delaware County since 2014; the strongest was an EF2 on November 5, 2017 near Eaton, 5.11 miles long.
  • The fastest gust in NOAA's records for Delaware County is 100 mph on April 2, 2025 at Eaton.
  • The nearest county with a page here is Madison County, 18 miles from the centre of Delaware County; its hail score is 84.67.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 9 roofing contractor establishments in Delaware County in 2023, one for every 5,735 homes.

The hail record of Delaware County, year by year

NOAA logged 24 reports in Delaware County; hail of 1 inch or more fell on 12 days. That is 0.9 such days a year; the median county in NOAA’s file has 1.8.

Delaware County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more024682014: 4 reports, 2 days at 1 inch or more, largest 1.25 inch142015: 1 reports, 1 days at 1 inch or more, largest 1.75 inch152016: 0 reports, 0 days at 1 inch or more, largest 0 inch162017: 3 reports, 0 days at 1 inch or more, largest 0.75 inch172018: 2 reports, 1 days at 1 inch or more, largest 1 inch182019: 0 reports, 0 days at 1 inch or more, largest 0 inch192020: 1 reports, 1 days at 1 inch or more, largest 1 inch202021: 1 reports, 1 days at 1 inch or more, largest 1 inch212022: 0 reports, 0 days at 1 inch or more, largest 0 inch222023: 7 reports, 4 days at 1 inch or more, largest 1.5 inch232024: 1 reports, 1 days at 1 inch or more, largest 2 inch242025: 0 reports, 0 days at 1 inch or more, largest 0 inch252026: 4 reports, 1 days at 1 inch or more, largest 1 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Delaware County: NOAA hail reports by calendar month, 2014 to June 2026January: 1 reports1JanFebruary: 0 reports0FebMarch: 7 reports7MarApril: 0 reports0AprMay: 2 reports2MayJune: 2 reports2JunJuly: 9 reports9JulAugust: 1 reports1AugSeptember: 1 reports1SepOctober: 0 reports0OctNovember: 1 reports1NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: July, 9 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
20144201.25 in–
20151111.75 in–
20173000.75 in–
20182101 in–
20201101 in–
20211101 in–
20237401.5 in–
20241112 in–
2026 (to June)4101 in–

Biggest hail days in Delaware County

DateLargest stoneReports that dayDamage reportedNear
March 14, 20242 in1none recordedRoyerton
August 3, 20151.75 in1none recordedGates Corner
July 23, 20231.5 in3none recordedDevon Park
May 11, 20141.25 in2none recordedDevon Park
June 25, 20231.25 in1none recordedDaleville

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside Delaware County the big stones fell.

Reported hail locations, Delaware County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.25 in hail1.5 in hail1.75 in hail2 in hail Muncie
  • 151 to 1.74 in
  • 21.75 to 2.74 in, golf ball to tennis ball
  • 02.75 in and up, baseball

Largest plotted stone: 2 in. Bigger dots are bigger stones.

17 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for Delaware County

Fastest gusts in Delaware County

DateGustNear
April 2, 2025100 mphEaton
June 18, 202579 mphDevon Park
March 9, 201975 mphEaton
June 18, 202572 mph(Mie)Johnson Fld Mun

Strongest tornado tracks in Delaware County

DateScaleLengthInjured / killedNear
March 14, 2024EF24.47 mi0 / 0Selma
November 5, 2017EF25.11 mi0 / 0Eaton
April 2, 2025EF15.81 mi0 / 0Devon Park
November 5, 2017EF10.09 mi0 / 0Muncie

6 tornado tracks in all since 2014; the strongest 4 are listed.

How old the roofs are

Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Delaware County’s 2014 to 2025 pace of 0.92 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Delaware County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 18.1% of homes18.1%<1940831940s: 7.4% of homes7.4%1940s741950s: 14.2% of homes14.2%1950s651960s: 15.9% of homes15.9%1960s561970s: 14.7% of homes14.7%1970s471980s: 8.0% of homes8%1980s381990s: 10.0% of homes10%1990s282000s: 7.3% of homes7.3%2000s192010s: 4.1% of homes4.1%2010s102020+: 0.3% of homes0.3%2020+3

Bars: share of 51,611 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.

Median year built1966
Built before 198070.3%
Built before 200088.3%
Built since 20104.4%
Owner-occupied66.5%
Median home value$127,600
Single-family permits, 2014 to 20251,062
Permits per 1,000 homes20.6

Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.

Roofers and past disasters in Delaware County

Roofing firms in Delaware County

Roofing contractor establishments, 20239
Change since 2016+0 (+0%)
Homes per roofing firm5,735
Median across counties5,189
Employees, 2023219

Source for Delaware County: Census County Business Patterns, NAICS 238160.

Nearby counties

The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Delaware County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Madison County, IN18 Relatively Low $420.90$6.560.6743
Howard County, IN42 Relatively Low $471.00$232.3711
Allen County, IN62 Relatively Moderate $210.45$141.4673
Tippecanoe County, IN80 Relatively Moderate $561.21$4.550.4735
Monroe County, IN94 Relatively Low $210.45$7.610.7844
St. Joseph County, IN105 Relatively Moderate $420.91$4.250.4361

More Indiana counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Delaware County

1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 12 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Muncie 46701 (0%), 46702 (0%), 46703 (0%), 46704 (0%), 46705 (0%) Roofers

Storm hit your roof in Delaware County? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in Delaware County?

FEMA's National Risk Index gives Delaware County an overall score of 76.34 (Relatively Low), 745th of 3,144. Hail scores 85.81 (Relatively Moderate), strong wind 65.78 (Relatively Moderate) and tornado 90.39 (Relatively High).

In Delaware County, how many hail reports has NOAA logged?

A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 24 for Delaware County between 2014 and June 2026, on 12 days with hail of 1 inch or more; the largest stone was 2 inches.

What do hail and wind cost a home in Delaware County each year, on average?

Applying FEMA's county rates to its median home value of $127,600: FEMA's estimate is about $5.93 a year for hail and $1.25 for wind, before any deductible, against $2.85 and $2.60 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.

How does Delaware County compare with the rest of Indiana?

Per $1 million of buildings Delaware County loses $46 to hail a year, against $40 in the median county of the state. Among 92 rated counties it is 10th for hail, 52nd for strong wind and 13th for tornado.

How old are the roofs in Delaware County?

The median home was built in 1966, 60 years ago, and 88.3% of the 51,611 housing units in Delaware County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.

What does expected annual loss mean?

It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.

Does a high rating mean my roof will be damaged?

No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.

Sources for Delaware County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Delaware County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Delaware County; Census County Business Patterns, roofing firms in Delaware County. Planning-level information about Delaware County, not an inspection and not insurance advice.

This product uses the Federal Emergency Management Agency's National Risk Index dataset but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).