Clear Lake is calmer than 81% of U.S. communities
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. 1 federal disaster brought FEMA money into town.
What stands out about Clear Lake’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Clear Lake?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 19% of U.S. communities, mostly from inland flooding and tornadoes.
Calmer than 1,731 of the 1,977 Indiana towns we cover.
Clear Lake is smaller than a census tract, so it shares the figures of the tract around its center.
Does Clear Lake flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Clear Lake. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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.What Clear Lake faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Strong wind
Cold waves
Hail
1 federal disaster brought FEMA money to Clear Lake
Disasters that paid out in Clear Lake itself (aid to households or repair grants to the Town of Clear Lake) and its biggest flood years.
- 1999In-Winter Storm 12/23/98$1K to the Town of Clear Lake for repairs
Steuben County has had 10 natural disasters declared since 1953, most often winter storms and tornadoes.
Old photos of Clear Lake after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Clear Lake archive →Get ready for what Clear Lake actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in December–February
The month each of Steuben County’s 10 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Clear Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Clear Lake.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Clear Lake.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.