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Natural hazards · Calumet

Calumet, IN natural hazards

Most of the natural-hazard damage FEMA expects in Calumet comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 293 claims here since 1979.

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

How exposed is Calumet?

26
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Calumet to be higher than in 26% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding41%Cold waves27%Tornadoes24%Everything else8%
By hazard

What Calumet faces

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

Inland flooding

41% of expected damage
Below average · higher than 43% of U.S. places
Recorded about 2 times a year in the area

Cold waves

27% of expected damage
Well below average · higher than 18% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

24% of expected damage
Well above average · higher than 83% of U.S. places

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Calumet flood?

Every paid claim on a federal flood insurance policy in Calumet, from FEMA’s records.

293paid claims since 1979
$3.6Mpaid to owners
0homes flooded more than once
19792026

Biggest named events

  • Hurricane Ike: 58 claims, $1.6M
  • Mid-spring storms: 1 claim, $3K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Calumet isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lake County.
Disasters that hit Calumet

Federal disasters declared here

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

Brought FEMA money into CalumetDeclared for Lake County only
Lake County has had 19 natural disasters declared since 1953, most often severe storms and winter storms.
Around Calumet

Calumet and the towns around it

Gary: Low, mostly inland floodingHobart: Low, mostly inland floodingNorth: Moderate, mostly inland floodingGriffith: Low, mostly inland floodingHighland: High, mostly inland floodingSt. John: Moderate, mostly inland floodingLake Station: Low, mostly inland floodingHammond: Low, mostly inland floodingEast Chicago: Moderate, mostly inland floodingSchererville: Low, mostly inland floodingRoss: Very low, mostly cold wavesRoss: Low, mostly inland floodingHobart: Low, mostly inland floodingMerrillville: Low, mostly inland floodingPortage: Low, mostly inland floodingPortage: Low, mostly inland floodingUnion: Very low, mostly inland floodingWhiting: Low, mostly inland floodingChicago: Moderate, mostly inland floodingMunster: High, mostly inland floodingThornton: Very high, mostly inland floodingLansing: High, mostly inland floodingHanover: Low, mostly inland floodingCrete: Moderate, mostly inland floodingWillowbrook: High, mostly inland floodingSt. John: Low, mostly inland floodingDyer: High, mostly inland floodingNew Chicago: Very low, mostly inland floodingCalumet City: High, mostly inland floodingCenter: Low, mostly inland floodingCrown Point: Low, mostly inland floodingWinfield: Low, mostly inland floodingWinfield: Low, mostly inland floodingCalumet: Low, mostly inland flooding CalumetGaryHobartNorthGriffithHighlandSt. JohnLake StationHammondEast ChicagoScherervilleRossRoss
Very lowLowModerateHighVery high
Highlandmostly inland floodingHigh
Northmostly inland floodingModerate
East Chicagomostly inland floodingModerate
St. Johnmostly inland floodingModerate
Lake Stationmostly inland floodingLow
Scherervillemostly inland floodingLow
Hammondmostly inland floodingLow
Hobartmostly inland floodingLow
Griffithmostly inland floodingLow
Rossmostly inland floodingLow
Calumetmostly inland floodingLow
Garymostly inland floodingLow
Rossmostly cold wavesVery low
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. Calumet covers 38 census tracts, combined by population.
Money that reached townFlood claims are matched to Calumet’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Calumet. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Calumet total about $32.0M a year, counting buildings, people and crops.

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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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