Storm risk in Monroe County, Indiana

FEMA's overall hazard score for Monroe County is 75.99 (Relatively Low), 756th of 3,144 counties. Hail scores 74.46 (Relatively Moderate), strong wind 90.36 (Relatively High) and tornado 82.16 (Relatively Moderate). Expected hail loss is $21 per $1 million of buildings a year; NOAA logged 44 hail reports in Monroe County from 2014 to June 2026.

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

Monroe 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: $21 per $1 million, 1,620th of 3,126 rated counties$21Hail1,620th of 3,126 countiesStrong wind: $7.61 per $1 million, 2,398th of 3,121 rated counties$7.61Strong wind2,398th of 3,121 countiesTornado: $154 per $1 million, 1,808th of 3,144 rated counties$154Tornado1,808th of 3,144 counties
  • Monroe 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 Monroe County

HazardRatingScore (0 to 100)Rank in U.S.Rank in IN
OverallRelatively Low 75.99756 of 3,14416 of 92
HailRelatively Moderate 74.46804 of 3,12619 of 92
Strong windRelatively High 90.36304 of 3,12614 of 92
TornadoRelatively Moderate 82.16562 of 3,12624 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$630,551$21 $40$22 1,620 of 3,12667 of 92
Strong wind$230,363$7.61 $25$20 2,398 of 3,12184 of 92
Tornado$4,667,339$154 $276$199 1,808 of 3,14485 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 Monroe County

  • FEMA expects hail in Monroe County to cost $21 per $1 million of buildings a year: 0.93 times the U.S. median and 0.52 times the IN county median, ranked 1,620th of 3,126 counties nationally and 67th of 92 in Indiana.
  • FEMA expects strong wind in Monroe County to cost $7.61 per $1 million of buildings a year: 0.37 times the U.S. median and 0.30 times the IN county median, ranked 2,398th of 3,121 counties nationally and 84th of 92 in Indiana.
  • FEMA expects tornado in Monroe County to cost $154 per $1 million of buildings a year: 0.78 times the U.S. median and 0.56 times the IN county median, ranked 1,808th of 3,144 counties nationally and 85th of 92 in Indiana.
  • Applying FEMA's estimate to a $261,700 home, the average yearly loss in Monroe County is about $5.45 for hail and $1.99 for wind before any deductible; at the U.S. median county rates it would be $5.85 and $5.33.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Monroe County meets about 31.7 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1986, the median home in Monroe County is 40 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 74.3% of its 64,850 homes are at least 26 years old.
  • March to June holds 35 of the 44 hail reports in Monroe County (80 percent); the quietest month is January, with 0 reports.

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

Enter a home value. The calculator applies Monroe 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.

$5.45hail, a year; $5.85 at the U.S. median county rate
$1.99strong wind, a year; $5.33 at the U.S. median county rate
$149hail and wind together over 20 years, at today’s rate

Formula: home value × Monroe County yearly loss ÷ building value. Hail: $630,551 ÷ $30,253,266,958 = 0.0000208. Wind: $230,363 ÷ $30,253,266,958 = 0.0000076. 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.

Monroe County in plain numbers

  • Monroe County scores 75.99 in FEMA's overall hazard index (Relatively Low): 756th of 3,144 rated counties and 16th of 92 in Indiana.
  • Hail scores 74.46 (Relatively Moderate). FEMA expects $630,551 of hail damage to buildings in Monroe County a year, which is $21 per $1 million of buildings, 0.93 times the U.S. median.
  • Strong wind scores 90.36 (Relatively High) with $230,363 of expected yearly building loss in Monroe County: $7.61 per $1 million of buildings, 0.37 times the U.S. median.
  • Tornado scores 82.16 (Relatively Moderate) and FEMA's expected yearly tornado loss is $4,667,339, counting everything exposed, or $154 per $1 million of buildings in Monroe County.
  • FEMA's own event record for Monroe County averages 3.94 hail events and 4.91 strong-wind events a year.
  • NOAA logged 44 hail reports in Monroe County between 2014 and June 2026, on 21 days with stones of 1 inch or more; the largest was 2.75 inches.
  • In Monroe County, FEMA counts buildings worth 30.25 billion dollars and 139,535 residents.
  • Social vulnerability is Relatively Low in Monroe County.
  • Community resilience there is Relatively High, for 139,535 residents.
  • 1 city in Monroe County is covered on this site: Bloomington. 11 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 Bloomington is $6,230 to $13,795.
  • Monroe County ranks 107 of the 194 counties with a page here for hail loss per $1 million of buildings, 128 for wind and 128 for tornado.
  • In Monroe County, April is the busiest month with 11 of the 44 reports (25 percent), against 0 reports in October.
  • Monroe County's worst year was 2017, with 4 hail days at 1 inch or more and 10 reports. At the 2014 to 2025 pace that is 1.58 such days a year, one about every 7.6 months.
  • The median home in Monroe County was built in 1986; 42.7% of its 64,850 housing units date from before 1980, 74.3% from before 2000 and 10.6% from 2010 on.
  • Census puts the median home value in Monroe County at $261,700, and 54.8% of homes are lived in by their owners.
  • 2,759 single-family building permits were issued in Monroe County from 2014 to 2025, about 42.5 per 1,000 homes, peaking in 2017.
  • NOAA lists 7 tornado tracks in Monroe County since 2014; the strongest was an EF3 on June 17, 2026 near Stinesville, 15.44 miles long.
  • The fastest gust in NOAA's records for Monroe County is 81 mph on April 13, 2022 at Payne.
  • The nearest county with a page here is Vigo County, 51 miles from the centre of Monroe County; its hail score is 87.15.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 9 roofing contractor establishments in Monroe County in 2023, one for every 7,206 homes.

The hail record of Monroe County, year by year

NOAA logged 44 reports in Monroe County; hail of 1 inch or more fell on 21 days. That is 1.6 such days a year; the median county in NOAA’s file has 1.8.

Monroe County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more02468102014: 2 reports, 1 days at 1 inch or more, largest 1 inch142015: 4 reports, 2 days at 1 inch or more, largest 2.75 inch152016: 4 reports, 2 days at 1 inch or more, largest 1 inch162017: 10 reports, 4 days at 1 inch or more, largest 2 inch172018: 0 reports, 0 days at 1 inch or more, largest 0 inch182019: 2 reports, 2 days at 1 inch or more, largest 1 inch192020: 1 reports, 1 days at 1 inch or more, largest 1.25 inch202021: 3 reports, 1 days at 1 inch or more, largest 1.75 inch212022: 1 reports, 1 days at 1 inch or more, largest 1 inch222023: 4 reports, 2 days at 1 inch or more, largest 2.5 inch232024: 3 reports, 2 days at 1 inch or more, largest 1.8 inch242025: 3 reports, 1 days at 1 inch or more, largest 1.75 inch252026: 7 reports, 2 days at 1 inch or more, largest 1.5 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Monroe County: NOAA hail reports by calendar month, 2014 to June 2026January: 0 reports0JanFebruary: 2 reports2FebMarch: 6 reports6MarApril: 11 reports11AprMay: 10 reports10MayJune: 8 reports8JunJuly: 6 reports6JulAugust: 0 reports0AugSeptember: 0 reports0SepOctober: 0 reports0OctNovember: 1 reports1NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: April, 11 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
20142101 in–
20154212.75 in–
20164201 in–
201710422 in$1,500
20192201 in–
20201101.25 in–
20213111.75 in–
20221101 in–
20234212.5 in–
20243221.8 in–
20253111.75 in–
2026 (to June)7201.5 in–

Biggest hail days in Monroe County

DateLargest stoneReports that dayDamage reportedNear
April 8, 20152.75 in2none recordedUnionville
June 25, 20232.5 in2none recordedEllettsville
May 19, 20172 in4none recordedBloomington
April 2, 20241.8 in1none recordedBloomington
June 18, 20211.75 in3none recordedMt Tabor

Where large hail was reported

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

Reported hail locations, Monroe 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 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 hail1.25 in hail1.5 in hail1.75 in hail1.75 in hail1.75 in hail1.75 in hail1.75 in hail1.8 in hail2 in hail2.5 in hail2.75 in hail Bloomington
  • 271 to 1.74 in
  • 81.75 to 2.74 in, golf ball to tennis ball
  • 12.75 in and up, baseball

Largest plotted stone: 2.75 in. Bigger dots are bigger stones.

36 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 Monroe County

Fastest gusts in Monroe County

DateGustNear
April 13, 202281 mphPayne
June 25, 202478 mph(Bmg)Mnroe Co Arpt B
September 10, 201470 mphVictor
February 20, 201470 mphKirby

Strongest tornado tracks in Monroe County

DateScaleLengthInjured / killedNear
June 17, 2026EF315.44 mi1 / 0Stinesville
March 31, 2023EF33.5 mi0 / 0Stinesville
February 19, 2026EF23.73 mi0 / 0(Bmg)Mnroe Co Arpt B
May 16, 2025EF235.27 mi0 / 0Elwren

7 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 Monroe County’s 2014 to 2025 pace of 1.58 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Monroe 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: 8.4% of homes8.4%<19401441940s: 1.9% of homes1.9%1940s1281950s: 7.3% of homes7.3%1950s1121960s: 10.9% of homes10.9%1960s971970s: 14.2% of homes14.2%1970s811980s: 12.9% of homes12.9%1980s651990s: 18.7% of homes18.7%1990s492000s: 15.1% of homes15.1%2000s332010s: 9.8% of homes9.8%2010s172020+: 0.8% of homes0.8%2020+5

Bars: share of 64,850 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 built1986
Built before 198042.7%
Built before 200074.3%
Built since 201010.6%
Owner-occupied54.8%
Median home value$261,700
Single-family permits, 2014 to 20252,759
Permits per 1,000 homes42.5

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 Monroe County

Roofing firms in Monroe County

Roofing contractor establishments, 20239
Change since 2016+0 (+0%)
Homes per roofing firm7,206
Median across counties5,189
Employees, 2023137

Source for Monroe 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 Monroe County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Vigo County, IN51 Relatively Moderate $492.36$121.6424
Madison County, IN80 Relatively Low $422.00$6.560.8643
Tippecanoe County, IN87 Relatively Moderate $562.69$4.550.6035
Howard County, IN92 Relatively Low $472.24$233.0411
Delaware County, IN94 Relatively Low $462.23$9.791.2924
Vanderburgh County, IN99 Relatively Moderate $211.00$607.9121

More Indiana counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Monroe 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. 11 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Bloomington 47401 (97%), 47403 (98%), 47404 (98%), 47405 (100%), 47421 (0%) Roofers

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Questions

How high is storm risk in Monroe County?

FEMA's National Risk Index gives Monroe County an overall score of 75.99 (Relatively Low), 756th of 3,144. Hail scores 74.46 (Relatively Moderate), strong wind 90.36 (Relatively High) and tornado 82.16 (Relatively Moderate).

In Monroe 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 44 for Monroe County between 2014 and June 2026, on 21 days with hail of 1 inch or more; the largest stone was 2.75 inches.

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

Applying FEMA's county rates to its median home value of $261,700: FEMA's estimate is about $5.45 a year for hail and $1.99 for wind, before any deductible, against $5.85 and $5.33 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 Monroe County compare with the rest of Indiana?

Per $1 million of buildings Monroe County loses $21 to hail a year, against $40 in the median county of the state. Among 92 rated counties it is 19th for hail, 14th for strong wind and 24th for tornado.

How old are the roofs in Monroe County?

The median home was built in 1986, 40 years ago, and 74.3% of the 64,850 housing units in Monroe 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 Monroe County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Monroe County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Monroe County; Census County Business Patterns, roofing firms in Monroe County. Planning-level information about Monroe 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).