Natural hazards · Hobart

Hobart, IN natural hazards

Most of the natural-hazard damage FEMA expects in Hobart comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 10 claims here since 1990. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hobart?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hobart to be higher than in 29% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding43%Cold waves27%Tornadoes23%Everything else7%

By hazard

What Hobart faces

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

Inland flooding

43% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 2 times a year in the area

Cold waves

27% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

23% 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 Hobart flood?

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

10paid claims since 1990

$157Kpaid to owners

0homes flooded more than once

19902026

Biggest named events

Hurricane Ike: 8 claims, $140K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lake County.

Disasters that hit Hobart

10 federal disasters brought FEMA money here

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

Brought FEMA money into HobartDeclared for Lake County only

2026

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

2,197 households applied for aid $3.5M aid approved

2023

Severe Storms, Straight-Line Winds, and Tornadoes

45 households applied for aid

2018

Severe Storms and Flooding

23 households applied for aid $22K aid approved

2009

Severe Storms, Tornadoes, and Flooding

5 households applied for aid $7K aid approved

2008

Severe Storms and Flooding

564 households applied for aid $843K aid approved

2007

Severe Storms and Flooding

200 households applied for aid $178K aid approved

2006

Severe Storms and Flooding

7 households applied for aid $14K aid approved

2005

Severe Winter Storms and Flooding

1 household applied for aid

2004

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $209 aid approved

2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $8K aid approved

Lake County has had 19 natural disasters declared since 1953, most often severe storms and winter storms.

Around Hobart

Hobart and the towns around it

Very lowLowModerateHighVery high

Lake Stationmostly inland floodingLow

Merrillvillemostly inland floodingLow

Hobartmostly inland floodingLow

Rossmostly inland floodingLow

Hobartmostly inland floodingLow

Portagemostly inland floodingLow

Calumetmostly inland floodingLow

Garymostly inland floodingLow

Unionmostly inland floodingVery low

New Chicagomostly 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. Hobart covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Hobart’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hobart. 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 Hobart total about $10.9M 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.