Natural hazards · Centre

Centre, IN natural hazards

Most of the natural-hazard damage FEMA expects in Centre comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 1981.

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

Expected damage

How exposed is Centre?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Centre to be higher than in 6% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding43%Cold waves28%Tornadoes13%Everything else16%

By hazard

What Centre faces

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

Inland flooding

43% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about once every 2 years in the area

Cold waves

28% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 62% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Centre flood?

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

3paid claims since 1981

$35Kpaid to owners

0homes flooded more than once

19812026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Joseph County.

Disasters that hit Centre

Federal disasters declared here

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

Brought FEMA money into CentreDeclared for St. Joseph County only

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

Around Centre

Centre and the towns around it

Very lowLowModerateHighVery high

Pennmostly inland floodingVery low

Unionmostly inland floodingVery low

Greenemostly inland floodingVery low

Portagemostly inland floodingVery low

Centremostly inland floodingVery 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. Centre covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Centre’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Centre. 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 Centre total about $2.5M 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.