St. Joseph County, Indiana

St. Joseph County, Indiana has a moderate overall risk from natural hazards in FEMA's National Risk Index. Its risk score is higher than 86% of US counties. It ranks 6th of 92 counties in Indiana. The costliest hazards here are inland flooding, cold waves and tornadoes. FEMA estimates about $60 million a year in expected losses, or roughly $221 per resident. Since 1965 it has been included in 15 federal disaster or emergency declarations for natural events (8 major disasters). The most recent was in August 2026 (severe storms, straight-line winds, tornadoes and flooding). Fewer than 1 in 100 homes here carry federal flood insurance (232 policies). Since 1978, federal flood insurance has paid about $1.3 million on 180 claims here, including $555,000 for floods in 2018.

FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.

Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is relatively low and community resilience is very high in FEMA's measures.

The National Weather Service has logged 715 storm reports in St. Joseph County since 1950, with 6 deaths and 138 injuries and about $48.4 million in reported damage. The strongest on record here was an F4 tornado on April 11, 1965.

Source: NOAA Storm Events Database, county-based reports through Jul 27, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.

National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.

Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 118,580 housing units.

Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.