Natural hazards · Coolspring

Coolspring, IN natural hazards

Most of the natural-hazard damage FEMA expects in Coolspring comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 10 claims here since 1986.

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

Expected damage

How exposed is Coolspring?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coolspring to be higher than in 11% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding36%Cold waves28%Tornadoes24%Everything else12%

By hazard

What Coolspring faces

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

Inland flooding

36% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once every 3 years in the area

Cold waves

28% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

24% of expected damage

Well above average · higher than 82% 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 Coolspring flood?

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

10paid claims since 1986

$26Kpaid to owners

0homes flooded more than once

19862026

Biggest named events

Hurricane Ike: 2 claims, $10K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: LaPorte County.

Disasters that hit Coolspring

Federal disasters declared here

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

Brought FEMA money into CoolspringDeclared for LaPorte County only

LaPorte County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Coolspring

Coolspring and the towns around it

Very lowLowModerateHighVery high

Pinemostly inland floodingLow

Centermostly inland floodingLow

Michiganmostly inland floodingVery low

Coolspringmostly inland floodingVery low

Michigan Citymostly inland floodingVery low

New Durhammostly 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. Coolspring covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Coolspring’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Coolspring. 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 Coolspring total about $5.1M 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.