Natural hazards · St. Marys

St. Marys, IN natural hazards

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

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

Expected damage

How exposed is St. Marys?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Marys to be higher than in 40% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes18%Strong wind10%Cold waves6%Everything else10%

By hazard

What St. Marys faces

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

Inland flooding

55% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

18% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 20 years in the area

Strong wind

10% of expected damage

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

Recorded about 4 times a year in the area

Cold waves

6% of expected damage

Below average · higher than 38% 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 St. Marys flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Adams County.

Disasters that hit St. Marys

Federal disasters declared here

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

Brought FEMA money into St. MarysDeclared for Adams County only

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

Around St. Marys

St. Marys and the towns around it

Very lowLowModerateHighVery high

Washingtonmostly inland floodingModerate

Willshiremostly inland floodingModerate

St. Marysmostly inland floodingModerate

Unionmostly inland floodingLow

Blue Creekmostly 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. St. Marys 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 St. Marys’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of St. Marys. 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.