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Natural hazards · Granger

Granger, IN natural hazards

Most of the natural-hazard damage FEMA expects in Granger comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 5 claims here since 1982. 3 federal disasters brought FEMA money into town.

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

How exposed is Granger?

8
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Granger to be higher than in 8% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves24%Tornadoes13%Everything else14%
By hazard

What Granger faces

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

Inland flooding

49% of expected damage
Well below average · higher than 19% of U.S. places
Recorded about once every 2 years in the area

Cold waves

24% of expected damage
Above average · higher than 56% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

13% of expected damage
Above average · higher than 61% 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 Granger flood?

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

5paid claims since 1982
$134Kpaid to owners
0homes flooded more than once
19822026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Granger isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: St. Joseph County.
Disasters that hit Granger

3 federal disasters brought FEMA money here

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

Brought FEMA money into GrangerDeclared for St. Joseph County only
2018

Severe Storms and Flooding

41 households applied for aid $29K aid approved
2009

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $702 aid approved
2008

Severe Storms and Flooding

13 households applied for aid $10K aid approved
St. Joseph County has had 14 natural disasters declared since 1953, most often winter storms and severe storms.
Around Granger

Granger and the towns around it

Mishawaka: Very low, mostly inland floodingHarris: Very low, mostly inland floodingMilton: Very low, mostly inland floodingPenn: Very low, mostly inland floodingSouth Bend: Very low, mostly inland floodingPortage: Very low, mostly inland floodingClay: Very low, mostly inland floodingHoward: Low, mostly inland floodingNiles: Low, mostly inland floodingOntwa: Very low, mostly inland floodingBaugo: Very low, mostly inland floodingMadison: Very low, mostly inland floodingCleveland: Very low, mostly inland floodingCentre: Very low, mostly inland floodingGranger: Very low, mostly inland flooding GrangerMishawakaHarrisMiltonPenn
Very lowLowModerateHighVery high
Mishawakamostly inland floodingVery low
Pennmostly inland floodingVery low
Miltonmostly inland floodingVery low
Harrismostly inland floodingVery low
Grangermostly 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. Granger covers 7 census tracts, combined by population.
Money that reached townFlood claims are matched to Granger’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Granger. 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 Granger total about $7.7M 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/19 · 2025-01-01
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