Natural hazards · St. Omer

St. Omer, IN natural hazards

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

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

Expected damage

How exposed is St. Omer?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Omer to be higher than in 62% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes19%Cold waves6%Strong wind6%Everything else14%

By hazard

What St. Omer 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

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 16 years in the area

Cold waves

6% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 2 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce 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 St. Omer flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Decatur County.

Disasters that hit St. Omer

Federal disasters declared here

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

Brought FEMA money into St. OmerDeclared for Decatur County only

Decatur County has had 13 natural disasters declared since 1953, most often severe storms and floods.

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