Natural hazards · Lowell

Lowell, IN natural hazards

Most of the natural-hazard damage FEMA expects in Lowell comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 5 claims here since 1978. 11 federal disasters brought FEMA money into town.

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

How exposed is Lowell?

19
Very low
vs. U.S. communities

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

Inland flooding38%Cold waves29%Tornadoes25%Everything else8%
By hazard

What Lowell faces

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

Inland flooding

38% of expected damage
Below average · higher than 33% of U.S. places
Recorded about 2 times a year in the area

Cold waves

29% of expected damage
Well below average · higher than 18% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

25% 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 Lowell flood?

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

5paid claims since 1978
$72Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Hurricane Ike: 1 claim, $61K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Lowell 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 Lowell

11 federal disasters brought FEMA money here

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

Brought FEMA money into LowellDeclared for Lake County only
2026

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

92 households applied for aid $102K aid approved
2023

Severe Storms, Straight-Line Winds, and Tornadoes

5 households applied for aid
2018

Severe Storms and Flooding

16 households applied for aid $16K aid approved
2014

Severe Winter Storm and Snowstorm

$14K to the Town of Lowell for repairs
2009

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $5K aid approved
2008

Severe Storms and Flooding

44 households applied for aid $76K aid approved
2007

Severe Storms and Flooding

4 households applied for aid $5K aid approved
2005

Severe Winter Storms and Flooding

1 household applied for aid $1K aid approved
2004

Severe Storms, Tornadoes, and Flooding

15 households applied for aid $27K aid approved
2003

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $5K aid approved
1999

In-Winter Storm 12/23/98

$9K to the Town of Lowell for repairs
Lake County has had 19 natural disasters declared since 1953, most often severe storms and winter storms.
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. Lowell covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Lowell’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lowell. 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 Lowell total about $2.3M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01