Natural hazards · Metz

Metz, IN natural hazards

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

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

Expected damage

How exposed is Metz?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Metz to be higher than in 20% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes19%Strong wind10%Cold waves9%Hail5%Everything else11%

By hazard

What Metz faces

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

Inland flooding

47% of expected damage

Below average · higher than 28% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

19% of expected damage

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

Recorded about once every 22 years in the area

Strong wind

10% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 5 times a year in the area

Cold waves

9% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 3 times a year in the area

Hail

5% of expected damage

Well above average · higher than 83% 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 Metz flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Metz 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 Metz

Federal disasters declared here

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

Brought FEMA money into MetzDeclared for Steuben County only

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

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. Metz 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 Metz’s own flood-insurance community; household aid to the registrant’s city; repair grants to Metz. 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.