Natural Disasters in Lakes of the Four Seasons, IN

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

81.4

Relatively Moderate

Expected Annual Loss

85.8

Score (0-100)

Social Vulnerability

13.4

Score (0-100)

Community Resilience

89.0

Score (0-100)

Top Hazard Risks

Tornado94.4Cold Wave93.8Strong Wind91.2

Hazard	Risk Score
Tornado	94.4
Cold Wave	93.8
Strong Wind	91.2
Winter Weather	73.2
Heat Wave	70.4
Earthquake	69.4
Wildfire	60.5
Lightning	56.8
Landslide	54.4
Ice Storm	47.5
Hail	31.6
Coastal Flood	27.4
Hurricane	13.2

Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.

Disaster Declarations

Source: FEMA OpenFEMA

Total Declarations

Most Recent

Winter Storm

Jan 2026

Most Common Type

Severe Storm

11 declarations

Date	Type	Declaration
Jan 24, 2026	Winter Storm	SEVERE WINTER STORM
Apr 15, 2023	Severe Storm	SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES
Apr 3, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
May 4, 2018	Flood	SEVERE STORMS AND FLOODING
Apr 22, 2014	Severe Storm	SEVERE WINTER STORM AND SNOWSTORM
Apr 22, 2009	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
Sep 23, 2008	Severe Storm	SEVERE STORMS AND FLOODING
Jan 30, 2008	Severe Storm	SEVERE STORMS AND FLOODING
Nov 30, 2007	Severe Storm	SEVERE STORMS AND FLOODING
Mar 12, 2007	Snowstorm	SNOW
Oct 6, 2006	Severe Storm	SEVERE STORMS AND FLOODING
Sep 10, 2005	Hurricane	HURRICANE KATRINA EVACUATION
Jan 21, 2005	Severe Storm	SEVERE WINTER STORMS AND FLOODING
Jun 3, 2004	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
Jul 11, 2003	Severe Storm	SEVERE STORMS, TORNADOES, AND FLOODING
Jan 24, 2001	Snowstorm	SNOW
Jan 15, 1999	Snowstorm	IN-WINTER STORM 12/23/98
May 8, 1998	Severe Storm	SEVERE WINTER STORM
Jan 5, 1991	Flood	SEVERE STORMS & FLOODING

Showing 20 of 22 declarations

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

5,494

Total IA Distributed

$11,768,741

Repair/Replace

$5,806,586

Rental Assistance

$1,236,859

Disaster	Registrations	Total IA $	Avg Damage
DR-1795	2,912	$6,399,857	$2,730
DR-4515	609	$3,481,490	—
DR-1732	848	$811,573	$1,295
DR-1662	175	$342,417	$1,832
DR-4363	171	$194,089	$1,246
DR-4704	442	$142,075	$217
DR-1740	103	$125,404	$1,128
DR-1832	49	$89,596	$2,253
DR-1520	74	$71,138	$799
DR-1476	36	$67,323	$2,318

Showing top 10 of 11 disasters by IA amount

Individual and household assistance for homeowners and renters affected by federally declared disasters.

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

2,975

Total Claims Paid

$49,352,368

Avg Claim Payout

$16,589

County-level NFIP data from FEMA National Flood Insurance Program.

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$12,487,422

Disasters with PA

Total Projects

303

Disaster	Type	Projects	Federal $
DR-1795	Severe Storm(s)	171	$7,373,639
DR-4515	Biological	16	$2,089,812
DR-3135	Snow	23	$863,850
DR-3162	Snow	37	$766,014
DR-4173	Severe Storm(s)	27	$714,863
DR-3274	Snow	29	$679,243

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$798,412

Properties Protected

Avg Benefit-Cost Ratio

1.52

BCR

Top Mitigation Project Types

Project Type	Projects	Federal $
91.1: Local Multihazard Mitigation Plan	2	$67,500
200.1: Acquisition of Private Real Property (Structures and Land) - Riverine	2	$267,523
405.1: Other Minor Flood Control	1	$463,389

Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.

Lakes of the Four Seasons has a relatively moderate overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are tornado, cold wave, strong wind. The area has had 22 federal disaster declarations. The most common disaster type is severe storm (11 declarations). 2,975 flood insurance claims have been filed in the area. FEMA has obligated $12,487,422 in public assistance recovery funding. $11,768,741 has been distributed in individual assistance to disaster-affected residents. 5 hazard mitigation projects have been funded to reduce future risk.