Natural hazards · Steuben

Steuben, IN natural hazards

Most of the natural-hazard damage FEMA expects in Steuben comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 10 claims here since 1978.

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

Expected damage

How exposed is Steuben?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Steuben to be higher than in 14% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes21%Strong wind10%Cold waves8%Hail5%Everything else9%

By hazard

What Steuben faces

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

Inland flooding

47% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

21% of expected damage

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

Recorded about once every 69 years in the area

Strong wind

10% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 5 times a year in the area

Cold waves

8% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 3 times a year in the area

Hail

5% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesIce 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 Steuben flood?

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

10paid claims since 1978

$75Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Hurricane Josephine: 1 claim, $18K
Blizzard of 1993: 1 claim, $29K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Steuben County.

Disasters that hit Steuben

Federal disasters declared here

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

Brought FEMA money into SteubenDeclared for Steuben County only

Steuben County has had 10 natural disasters declared since 1953, most often winter storms and tornadoes.

Around Steuben

Steuben and the towns around it

Very lowLowModerateHighVery high

Salemmostly inland floodingModerate

Otsegomostly inland floodingLow

Smithfieldmostly inland floodingVery low

Steubenmostly inland floodingVery low

Pleasantmostly 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. Steuben covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Steuben’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Steuben. 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 Steuben total about $2.4M 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.