Natural hazards · Jamestown

Jamestown, IN natural hazards

Most of the natural-hazard damage FEMA expects in Jamestown comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Jamestown?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Jamestown to be higher than in 19% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding57%Tornadoes20%Strong wind7%Hail6%Cold waves6%Everything else5%

By hazard

What Jamestown faces

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

Inland flooding

57% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

20% of expected damage

Well above average · higher than 86% of U.S. places

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

Hail

6% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 3 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

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 Jamestown flood?

FEMA's records show no paid flood insurance claims in Jamestown.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Jamestown 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 Jamestown

Federal disasters declared here

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

Brought FEMA money into JamestownDeclared for Steuben County only

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

Around Jamestown

Jamestown and the towns around it

Very lowLowModerateHighVery high

Kinderhookmostly inland floodingLow

Millgrovemostly inland floodingLow

Jamestownmostly inland floodingVery low

Fremontmostly inland floodingVery low

Pleasantmostly 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. Jamestown covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Jamestown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Jamestown. 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 Jamestown total about $863K 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.