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Natural hazards · Dyer

Dyer, IN natural hazards

Most of the natural-hazard damage FEMA expects in Dyer comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 96 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

How exposed is Dyer?

60
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dyer to be higher than in 60% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding61%Cold waves18%Tornadoes16%Everything else5%
By hazard

What Dyer faces

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

Inland flooding

61% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about 2 times a year in the area

Cold waves

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

Tornadoes

16% of expected damage
Well above average · higher than 83% 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 Dyer flood?

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

96paid claims since 1979
$2.1Mpaid to owners
12homes flooded more than once
19792026

Biggest named events

  • Hurricane Ike: 17 claims, $456K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 10% off flood insurance. Dyer is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Lake County.

What’s been done with FEMA grants

4flood-prone properties bought out and cleared
Disasters that hit Dyer

9 federal disasters brought FEMA money here

Disasters the President declared that paid out in Dyer itself: aid to households, or repair grants to the Town of Dyer.

Brought FEMA money into DyerDeclared for Lake County only
2026

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

748 households applied for aid $1.6M aid approved
2023

Severe Storms, Straight-Line Winds, and Tornadoes

12 households applied for aid
2018

Severe Storms and Flooding

6 households applied for aid
2014

Severe Winter Storm and Snowstorm

$27K to the Town of Dyer for repairs
2009

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $524 aid approved
2008

Severe Storms and Flooding

198 households applied for aid $919K aid approved
2007

Severe Storms and Flooding

76 households applied for aid $344K aid approved
2006

Severe Storms and Flooding

14 households applied for aid $44K aid approved
2003

Severe Storms, Tornadoes, and Flooding

18 households applied for aid $17K aid approved
Lake County has had 19 natural disasters declared since 1953, most often severe storms and winter storms.
Around Dyer

Dyer and the towns around it

Schererville: Low, mostly inland floodingSt. John: Moderate, mostly inland floodingMunster: High, mostly inland floodingNorth: Moderate, mostly inland floodingGriffith: Low, mostly inland floodingSt. John: Low, mostly inland floodingCalumet: Low, mostly inland floodingHanover: Low, mostly inland floodingCrete: Moderate, mostly inland floodingWillowbrook: High, mostly inland floodingRoss: Low, mostly inland floodingMerrillville: Low, mostly inland floodingHammond: Low, mostly inland floodingHighland: High, mostly inland floodingLansing: High, mostly inland floodingThornton: Very high, mostly inland floodingBloom: High, mostly inland floodingEast Chicago: Moderate, mostly inland floodingWhiting: Low, mostly inland floodingGary: Low, mostly inland floodingChicago: Moderate, mostly inland floodingDyer: High, mostly inland flooding DyerScherervilleSt. JohnMunsterNorth
Very lowLowModerateHighVery high
Munstermostly inland floodingHigh
Dyermostly inland floodingHigh
Northmostly inland floodingModerate
St. Johnmostly inland floodingModerate
Scherervillemostly inland floodingLow
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. Dyer covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Dyer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Dyer. 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 Dyer total about $7.9M 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/18 · 2025-01-01
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