Natural hazards · Bear Lake

Bear Lake, IN natural hazards

Most of the natural-hazard damage FEMA expects in Bear Lake comes from inland flooding, and overall the risk is low for a U.S. community.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Bear Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bear Lake to be higher than in 30% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes20%Cold waves10%Strong wind10%Drought5%Everything else9%

By hazard

What Bear Lake faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

47% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once every 9 years in the area

Tornadoes

20% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 31 years in the area

Cold waves

10% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 4 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 5 times a year in the area

Drought

5% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Bear Lake flood?

FEMA's records show no paid flood insurance claims in Bear Lake.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bear Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Noble County.

Disasters that hit Bear Lake

Federal disasters declared here

None of the disasters declared for Noble County shows FEMA aid or repair money reaching Bear Lake itself in FEMA’s records.

Brought FEMA money into Bear LakeDeclared for Noble County only

Noble County has had 14 natural disasters declared since 1953, most often severe storms and winter storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Bear Lake is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Bear Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to Bear Lake. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.