Natural hazards · Union

Union, IN natural hazards

Most of the natural-hazard damage FEMA expects in Union 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 Union?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Union to be higher than in 11% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves24%Tornadoes14%Hail6%Everything else11%

By hazard

What Union faces

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

Inland flooding

45% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once every 2 years in the area

Cold waves

24% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 41 years in the area

Hail

6% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Union flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Joseph County.

Disasters that hit Union

Federal disasters declared here

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

Brought FEMA money into UnionDeclared for St. Joseph County only

St. Joseph County has had 14 natural disasters declared since 1953, most often winter storms and severe storms.

Around Union

Union and the towns around it

Very lowLowModerateHighVery high

Libertymostly inland floodingLow

Germanmostly inland floodingLow

Northmostly inland floodingVery low

Madisonmostly inland floodingVery low

Unionmostly inland floodingVery low

Greenemostly inland floodingVery low

Centremostly 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. Union covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Union’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Union. 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 Union total about $873K 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.