Natural hazards · Simonton Lake

Simonton Lake, IN natural hazards

Most of the natural-hazard damage FEMA expects in Simonton Lake 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 Simonton Lake?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Simonton Lake to be higher than in 7% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding44%Cold waves25%Tornadoes14%Strong wind7%Everything else10%

By hazard

What Simonton Lake faces

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

Inland flooding

44% of expected damage

Well below average · higher than 16% of U.S. places

Recorded about once every 3 years in the area

Cold waves

25% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 64% of U.S. places

Strong wind

7% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 4 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 Simonton Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Simonton Lake 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 Simonton Lake

Federal disasters declared here

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

Brought FEMA money into Simonton LakeDeclared for Elkhart County only

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

Around Simonton Lake

Simonton Lake and the towns around it

Very lowLowModerateHighVery high

Elkhartmostly inland floodingVery low

Ontwamostly inland floodingVery low

Osolomostly inland floodingVery low

Masonmostly inland floodingVery low

Simonton Lakemostly 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. Simonton Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Simonton Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to Simonton Lake. 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 Simonton Lake total about $698K 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.