Natural hazards · Lake Santee

Lake Santee, IN natural hazards

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

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

Expected damage

How exposed is Lake Santee?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Santee to be higher than in 45% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes23%Earthquakes6%Strong wind5%Everything else14%

By hazard

What Lake Santee faces

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

Inland flooding

53% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once a year in the area

Tornadoes

23% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 13 years in the area

Earthquakes

6% of expected damage

Above average · higher than 69% of U.S. places

Strong wind

5% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

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 Lake Santee flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Decatur County.

Disasters that hit Lake Santee

Federal disasters declared here

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

Brought FEMA money into Lake SanteeDeclared for Decatur County only

Decatur County has had 13 natural disasters declared since 1953, most often severe storms and floods.

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. Lake Santee is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Lake Santee’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lake Santee. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.