Storm risk in Vanderburgh County, Indiana

FEMA's overall hazard score for Vanderburgh County is 91.32 (Relatively Moderate), 274th of 3,144 counties. Hail scores 82.89 (Relatively Moderate), strong wind 95.87 (Relatively High) and tornado 95.9 (Relatively High). Expected hail loss is $21 per $1 million of buildings a year; NOAA logged 21 hail reports in Vanderburgh County from 2014 to June 2026.

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

Vanderburgh 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, 1,623rd of 3,126 rated counties$21Hail1,623rd of 3,126 countiesStrong wind: $60 per $1 million, 630th of 3,121 rated counties$60Strong wind630th of 3,121 countiesTornado: $296 per $1 million, 1,060th of 3,144 rated counties$296Tornado1,060th of 3,144 counties
  • Vanderburgh 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 Vanderburgh County

HazardRatingScore (0 to 100)Rank in U.S.Rank in IN
OverallRelatively Moderate 91.32274 of 3,1443 of 92
HailRelatively Moderate 82.89539 of 3,12614 of 92
Strong windRelatively High 95.87131 of 3,1264 of 92
TornadoRelatively High 95.90130 of 3,1265 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$898,666$21 $40$22 1,623 of 3,12668 of 92
Strong wind$2,600,636$60 $25$20 630 of 3,1218 of 92
Tornado$12,759,666$296 $276$199 1,060 of 3,14442 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 Vanderburgh County

  • FEMA expects hail in Vanderburgh 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 1,623rd of 3,126 counties nationally and 68th of 92 in Indiana.
  • FEMA expects strong wind in Vanderburgh County to cost $60 per $1 million of buildings a year: 2.96 times the U.S. median and 2.39 times the IN county median, ranked 630th of 3,121 counties nationally and 8th of 92 in Indiana.
  • FEMA expects tornado in Vanderburgh County to cost $296 per $1 million of buildings a year: 1.49 times the U.S. median and 1.07 times the IN county median, ranked 1,060th of 3,144 counties nationally and 42nd of 92 in Indiana.
  • Applying FEMA's estimate to a $172,300 home, the average yearly loss in Vanderburgh County is about $3.59 for hail and $10 for wind before any deductible; at the U.S. median county rates it would be $3.85 and $3.51.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Vanderburgh County meets about 16.7 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1970, the median home in Vanderburgh County is 56 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 83.5% of its 84,809 homes are at least 26 years old.
  • March to June holds 18 of the 21 hail reports in Vanderburgh County (86 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 Vanderburgh 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.

$3.59hail, a year; $3.85 at the U.S. median county rate
$10strong wind, a year; $3.51 at the U.S. median county rate
$279hail and wind together over 20 years, at today’s rate

Formula: home value × Vanderburgh County yearly loss ÷ building value. Hail: $898,666 ÷ $43,169,688,991 = 0.0000208. Wind: $2,600,636 ÷ $43,169,688,991 = 0.0000602. 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.

Vanderburgh County in plain numbers

  • Vanderburgh County scores 91.32 in FEMA's overall hazard index (Relatively Moderate): 274th of 3,144 rated counties and 3rd of 92 in Indiana.
  • Hail scores 82.89 (Relatively Moderate). FEMA expects $898,666 of hail damage to buildings in Vanderburgh County a year, which is $21 per $1 million of buildings, 0.93 times the U.S. median.
  • Strong wind scores 95.87 (Relatively High) with $2,600,636 of expected yearly building loss in Vanderburgh County: $60 per $1 million of buildings, 2.96 times the U.S. median.
  • Tornado scores 95.9 (Relatively High) and FEMA's expected yearly tornado loss is $12,759,666, counting everything exposed, or $296 per $1 million of buildings in Vanderburgh County.
  • FEMA's own event record for Vanderburgh County averages 2.98 hail events and 4.22 strong-wind events a year.
  • NOAA logged 21 hail reports in Vanderburgh County between 2014 and June 2026, on 10 days with stones of 1 inch or more; the largest was 2 inches.
  • In Vanderburgh County, FEMA counts buildings worth 43.17 billion dollars and 180,120 residents.
  • Social vulnerability is Relatively Moderate in Vanderburgh County.
  • Community resilience there is Very High, for 180,120 residents.
  • 1 city in Vanderburgh County is covered on this site: Evansville. 9 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 Evansville is $6,230 to $13,795.
  • Vanderburgh County ranks 108 of the 194 counties with a page here for hail loss per $1 million of buildings, 15 for wind and 65 for tornado.
  • In Vanderburgh County, April is the busiest month with 7 of the 21 reports (33 percent), against 0 reports in October.
  • Vanderburgh County's worst year was 2015, with 1 hail day at 1 inch or more and 3 reports. At the 2014 to 2025 pace that is 0.83 such days a year, one about every 14.4 months.
  • The median home in Vanderburgh County was built in 1970; 63.8% of its 84,809 housing units date from before 1980, 83.5% from before 2000 and 6.4% from 2010 on.
  • Census puts the median home value in Vanderburgh County at $172,300, and 64.5% of homes are lived in by their owners.
  • 4,477 single-family building permits were issued in Vanderburgh County from 2014 to 2025, about 52.8 per 1,000 homes, peaking in 2021.
  • NOAA lists 11 tornado tracks in Vanderburgh County since 2014; the strongest was an EF2 on April 2, 2024 near St Wendells, 12.51 miles long.
  • The fastest gust in NOAA's records for Vanderburgh County is 120 mph on May 9, 2014 at Howell.
  • The nearest county with a page here is Vigo County, 99 miles from the centre of Vanderburgh County; its hail score is 87.15.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 16 roofing contractor establishments in Vanderburgh County in 2023, one for every 5,301 homes.

The hail record of Vanderburgh County, year by year

NOAA logged 21 reports in Vanderburgh County; hail of 1 inch or more fell on 10 days. That is 0.8 such days a year; the median county in NOAA’s file has 1.8.

Vanderburgh County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more01232014: 1 reports, 0 days at 1 inch or more, largest 0.88 inch142015: 3 reports, 1 days at 1 inch or more, largest 1 inch152016: 2 reports, 1 days at 1 inch or more, largest 1 inch162017: 2 reports, 1 days at 1 inch or more, largest 2 inch172018: 3 reports, 1 days at 1 inch or more, largest 2 inch182019: 2 reports, 1 days at 1 inch or more, largest 1 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: 2 reports, 1 days at 1 inch or more, largest 1.5 inch222023: 1 reports, 0 days at 1 inch or more, largest 0.75 inch232024: 2 reports, 1 days at 1 inch or more, largest 1 inch242025: 1 reports, 1 days at 1 inch or more, largest 1 inch252026: 0 reports, 0 days at 1 inch or more, largest 0 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Vanderburgh County: NOAA hail reports by calendar month, 2014 to June 2026January: 1 reports1JanFebruary: 0 reports0FebMarch: 5 reports5MarApril: 7 reports7AprMay: 4 reports4MayJune: 2 reports2JunJuly: 2 reports2JulAugust: 0 reports0AugSeptember: 0 reports0SepOctober: 0 reports0OctNovember: 0 reports0NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: April, 7 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
20141000.88 in–
20153101 in–
20162101 in–
20172112 in–
20183112 in$100,000
20192101 in–
20201101 in–
20211101 in–
20222101.5 in–
20231000.75 in–
20242101 in–
20251101 in–

Biggest hail days in Vanderburgh County

DateLargest stoneReports that dayDamage reportedNear
May 10, 20182 in2$100,000Evansville
April 29, 20172 in1none recordedMc Cutchanville
July 8, 20221.5 in1none recordedDarmstadt
June 16, 20151 in2none recordedEvansville
March 14, 20191 in2none recordedEvansville

Where large hail was reported

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

Reported hail locations, Vanderburgh County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.5 in hail2 in hail2 in hail Evansville
  • 91 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.

11 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 Vanderburgh County

Fastest gusts in Vanderburgh County

DateGustNear
May 9, 2014120 mphHowell
April 2, 202496 mphSt Joseph
April 2, 202484 mphDaylight
June 29, 202381 mphDarmstadt

Strongest tornado tracks in Vanderburgh County

DateScaleLengthInjured / killedNear
April 2, 2024EF212.51 mi0 / 0St Wendells
April 2, 2024EF211.88 mi0 / 0Martin
July 30, 2024EF13.69 mi0 / 0Erskin
April 2, 2024EF16.26 mi0 / 0Stacer

11 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 Vanderburgh County’s 2014 to 2025 pace of 0.83 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Vanderburgh 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: 17.2% of homes17.2%<1940761940s: 8.8% of homes8.8%1940s681950s: 15.4% of homes15.4%1950s591960s: 8.8% of homes8.8%1960s511970s: 13.6% of homes13.6%1970s421980s: 10.4% of homes10.4%1980s341990s: 9.3% of homes9.3%1990s262000s: 10.0% of homes10%2000s182010s: 5.7% of homes5.7%2010s92020+: 0.7% of homes0.7%2020+2

Bars: share of 84,809 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 built1970
Built before 198063.8%
Built before 200083.5%
Built since 20106.4%
Owner-occupied64.5%
Median home value$172,300
Single-family permits, 2014 to 20254,477
Permits per 1,000 homes52.8

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 Vanderburgh County

Roofing firms in Vanderburgh County

Roofing contractor establishments, 202316
Change since 2016+4 (+33%)
Homes per roofing firm5,301
Median across counties5,189
Employees, 2023253

Source for Vanderburgh 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 Vanderburgh County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Vigo County, IN99 Relatively Moderate $492.36$120.2124
Monroe County, IN99 Relatively Low $211.00$7.610.1344
Tippecanoe County, IN168 Relatively Moderate $562.70$4.550.0835
Madison County, IN179 Relatively Low $422.00$6.560.1143
Howard County, IN187 Relatively Low $472.24$230.3811
Delaware County, IN193 Relatively Low $462.23$9.790.1624

More Indiana counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Vanderburgh 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. 9 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Evansville 47712 (81%), 47715 (100%), 47714 (100%) Roofers

Storm hit your roof in Vanderburgh 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 Vanderburgh County?

FEMA's National Risk Index gives Vanderburgh County an overall score of 91.32 (Relatively Moderate), 274th of 3,144. Hail scores 82.89 (Relatively Moderate), strong wind 95.87 (Relatively High) and tornado 95.9 (Relatively High).

In Vanderburgh 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 21 for Vanderburgh County between 2014 and June 2026, on 10 days with hail of 1 inch or more; the largest stone was 2 inches.

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

Applying FEMA's county rates to its median home value of $172,300: FEMA's estimate is about $3.59 a year for hail and $10 for wind, before any deductible, against $3.85 and $3.51 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 Vanderburgh County compare with the rest of Indiana?

Per $1 million of buildings Vanderburgh County loses $21 to hail a year, against $40 in the median county of the state. Among 92 rated counties it is 14th for hail, 4th for strong wind and 5th for tornado.

How old are the roofs in Vanderburgh County?

The median home was built in 1970, 56 years ago, and 83.5% of the 84,809 housing units in Vanderburgh 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 Vanderburgh County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Vanderburgh County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Vanderburgh County; Census County Business Patterns, roofing firms in Vanderburgh County. Planning-level information about Vanderburgh 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).