Natural hazards · Lima

Lima, IN natural hazards

Most of the natural-hazard damage FEMA expects in Lima 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 Lima?

Very low

vs. U.S. communities

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

Inland flooding46%Tornadoes18%Strong wind10%Cold waves10%Hail6%Drought6%Everything else5%

By hazard

What Lima faces

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

Inland flooding

46% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about once every 7 years in the area

Tornadoes

18% of expected damage

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

Recorded about once every 17 years in the area

Strong wind

10% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 5 times a year in the area

Cold waves

10% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 3 times a year in the area

Hail

6% of expected damage

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

Recorded about 3 times a year in the area

Drought

6% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Lima flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: LaGrange County.

Disasters that hit Lima

Federal disasters declared here

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

Brought FEMA money into LimaDeclared for LaGrange County only

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

Around Lima

Lima and the towns around it

Very lowLowModerateHighVery high

Fawn Rivermostly inland floodingLow

Van Burenmostly inland floodingLow

Sturgismostly inland floodingLow

Limamostly inland floodingVery low

Greenfieldmostly inland floodingVery low

Claymostly inland floodingVery low

Bloomfieldmostly 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. Lima 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 Lima’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lima. 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.