Natural hazards · North Bend

North Bend, IN natural hazards

Most of the natural-hazard damage FEMA expects in North Bend comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1982.

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

Expected damage

How exposed is North Bend?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Bend to be higher than in 30% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding36%Cold waves28%Tornadoes21%Strong wind8%Everything else7%

By hazard

What North Bend faces

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

Inland flooding

36% of expected damage

Below average · higher than 48% of U.S. places

Recorded about once every 9 years in the area

Cold waves

28% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

21% of expected damage

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

Recorded about once every 29 years in the area

Strong wind

8% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 North Bend flood?

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

6paid claims since 1982

$147Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Starke County.

Disasters that hit North Bend

Federal disasters declared here

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

Brought FEMA money into North BendDeclared for Starke County only

Starke County has had 15 natural disasters declared since 1953, most often winter storms and floods.

Around North Bend

North Bend and the towns around it

Very lowLowModerateHighVery high

Washingtonmostly inland floodingModerate

North Bendmostly inland floodingLow

Tippecanoemostly inland floodingLow

Californiamostly inland floodingVery low

Unionmostly 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. North Bend covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to North Bend’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of North Bend. 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 North Bend total about $1.2M 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.