Natural hazards · Clear Lake

Clear Lake, IN natural hazards

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

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

Expected damage

How exposed is Clear Lake?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clear Lake to be higher than in 19% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes19%Strong wind7%Cold waves6%Hail6%Everything else7%

By hazard

What Clear Lake faces

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

Inland flooding

55% of expected damage

Below average · higher than 25% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

19% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 55 years in the area

Strong wind

7% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 5 times a year in the area

Cold waves

6% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 3 times a year in the area

Hail

6% of expected damage

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

Recorded about 3 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Clear Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Clear 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: Steuben County.

Disasters that hit Clear Lake

Federal disasters declared here

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

Brought FEMA money into Clear LakeDeclared for Steuben County only

Steuben County has had 10 natural disasters declared since 1953, most often winter storms and tornadoes.

Around Clear Lake

Clear Lake and the towns around it

Very lowLowModerateHighVery high

Camdenmostly inland floodingLow

Clear Lakemostly inland floodingVery low

Fremontmostly 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. Clear 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 Clear Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Clear 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.