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Natural hazards · Schererville

Schererville, IN natural hazards

Most of the natural-hazard damage FEMA expects in Schererville comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 21 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

How exposed is Schererville?

39
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Schererville to be higher than in 39% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding51%Cold waves23%Tornadoes20%Everything else6%
By hazard

What Schererville faces

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

Inland flooding

51% of expected damage
Above average · higher than 61% of U.S. places
Recorded about 2 times a year in the area

Cold waves

23% of expected damage
Well below average · higher than 18% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

20% 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 Schererville flood?

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

21paid claims since 1979
$930Kpaid to owners
1homes flooded more than once
19792026

Biggest named events

  • Hurricane Ike: 8 claims, $818K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Schererville 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 Schererville

9 federal disasters brought FEMA money here

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

Brought FEMA money into ScherervilleDeclared for Lake County only
2026

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

781 households applied for aid $1.5M aid approved
2023

Severe Storms, Straight-Line Winds, and Tornadoes

16 households applied for aid
2018

Severe Storms and Flooding

6 households applied for aid
2009

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $1K aid approved
2008

Severe Storms and Flooding

118 households applied for aid $260K aid approved
2007

Severe Storms and Flooding

15 households applied for aid $10K aid approved
2006

Severe Storms and Flooding

36 households applied for aid $107K aid approved
2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid
2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $661 aid approved
Lake County has had 19 natural disasters declared since 1953, most often severe storms and winter storms.
Around Schererville

Schererville and the towns around it

Dyer: High, mostly inland floodingGriffith: Low, mostly inland floodingSt. John: Low, mostly inland floodingSt. John: Moderate, mostly inland floodingCalumet: Low, mostly inland floodingMunster: High, mostly inland floodingNorth: Moderate, mostly inland floodingHighland: High, mostly inland floodingGary: Low, mostly inland floodingMerrillville: Low, mostly inland floodingRoss: Low, mostly inland floodingHanover: Low, mostly inland floodingCrete: Moderate, mostly inland floodingWillowbrook: High, mostly inland floodingHobart: Low, mostly inland floodingLake Station: Low, mostly inland floodingHammond: Low, mostly inland floodingEast Chicago: Moderate, mostly inland floodingRoss: Very low, mostly cold wavesSchererville: Low, mostly inland flooding ScherervilleDyerGriffithSt. JohnSt. JohnCalumet
Very lowLowModerateHighVery high
Dyermostly inland floodingHigh
St. Johnmostly inland floodingModerate
Scherervillemostly inland floodingLow
St. Johnmostly inland floodingLow
Griffithmostly inland floodingLow
Calumetmostly inland floodingLow
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. Schererville covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Schererville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Schererville. 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 Schererville total about $12.0M 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
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