Natural hazards · Locke

Locke, IN natural hazards

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

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Locke to be higher than in 3% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes19%Cold waves18%Hail7%Strong wind6%Everything else9%

By hazard

What Locke faces

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

Inland flooding

41% of expected damage

Well below average · higher than 5% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

19% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 34 years in the area

Cold waves

18% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 3 times a year in the area

Hail

7% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

6% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 5 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 Locke flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Elkhart County.

Disasters that hit Locke

Federal disasters declared here

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

Brought FEMA money into LockeDeclared for Elkhart County only

Elkhart County has had 11 natural disasters declared since 1953, most often winter storms and floods.

Around Locke

Locke and the towns around it

Very lowLowModerateHighVery high

Germanmostly inland floodingLow

Madisonmostly inland floodingVery low

Scottmostly inland floodingVery low

Nappaneemostly inland floodingVery low

Unionmostly inland floodingVery low

Olivemostly inland floodingVery low

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