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Natural hazards · Tri-Lakes

Tri-Lakes, IN natural hazards

Most of the natural-hazard damage FEMA expects in Tri-Lakes 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 Tri-Lakes?

15
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tri-Lakes to be higher than in 15% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding44%Tornadoes22%Strong wind10%Heat waves6%Cold waves6%Drought6%Everything else6%
By hazard

What Tri-Lakes 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 21% of U.S. places
Recorded about once every 2 years in the area

Tornadoes

22% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about once every 26 years in the area

Strong wind

10% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about 5 times a year in the area

Heat waves

6% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 5 times a year in the area

Cold waves

6% of expected damage
Below average · higher than 42% of U.S. places
Recorded about 4 times a year in the area

Drought

6% of expected damage
Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Tri-Lakes flood?

FEMA's records show no paid flood insurance claims in Tri-Lakes.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Tri-Lakes isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Whitley County.
Disasters that hit Tri-Lakes

Federal disasters declared here

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

Brought FEMA money into Tri-LakesDeclared for Whitley County only
Whitley County has had 13 natural disasters declared since 1953, most often severe storms and winter storms.
Around Tri-Lakes

Tri-Lakes and the towns around it

Thorncreek: Very low, mostly inland floodingNoble: Low, mostly inland floodingSmith: Very low, mostly inland floodingColumbia: Low, mostly inland floodingRichland: Low, mostly inland floodingColumbia City: Very low, mostly inland floodingEtna-Troy: Very low, mostly inland floodingGreen: Low, mostly inland floodingYork: Low, mostly inland floodingWashington: Low, mostly inland floodingEel River: Very low, mostly inland floodingUnion: Very low, mostly inland floodingChurubusco: Very low, mostly inland floodingTri-Lakes: Very low, mostly inland flooding Tri-LakesThorncreekNobleSmith
Very lowLowModerateHighVery high
Noblemostly inland floodingLow
Thorncreekmostly inland floodingVery low
Smithmostly inland floodingVery low
Tri-Lakesmostly 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. Tri-Lakes 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 Tri-Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to Tri-Lakes. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
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