Natural hazards · Fremont

Fremont, IN natural hazards

Most of the natural-hazard damage FEMA expects in Fremont comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 1978.

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

Expected damage

How exposed is Fremont?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fremont 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 Fremont 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 Fremont flood?

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

1paid claims since 1978

$325paid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Fremont 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 Fremont

Federal disasters declared here

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

Brought FEMA money into FremontDeclared for Steuben County only

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

Around Fremont

Fremont and the towns around it

Very lowLowModerateHighVery high

Californiamostly inland floodingLow

Scottmostly inland floodingLow

Fremontmostly inland floodingVery low

Jamestownmostly inland floodingVery low

Clear Lakemostly 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. Fremont covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Fremont’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Fremont. 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 Fremont total about $1.4M 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.