Steuben County, Indiana: hazard risk
FEMA rates Steuben County's overall risk Very Low (score 27.2 of 100, higher than 27% of rated U.S. counties). Its storm record holds 395 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Strong Wind | Relatively Moderate | 63.1 | $887K |
| Hail | Relatively Low | 66.6 | $540K |
| Tornado | Relatively Low | 60.4 | $2.0M |
| Drought | Relatively Low | 52.6 | $195K |
| Cold Wave | Relatively Low | 39.9 | $730K |
| Ice Storm | Relatively Low | 39.0 | $56K |
| Lightning | Relatively Low | 38.7 | $171K |
| Riverine Flooding | Relatively Low | 38.2 | $5.1M |
| Winter Weather | Relatively Low | 24.9 | $26K |
| Landslide | Very Low | 56.8 | $2K |
| Earthquake | Very Low | 44.1 | $219K |
| Hurricane | Very Low | 28.5 | $14K |
| Heat Wave | Very Low | 27.0 | $125K |
| Wildfire | Very Low | 12.9 | $5K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 169 | 0 | $1.2M | 39th of 91 | 602nd of 3,080 |
| Winter storms | 89 | 6 | – | 14th of 91 | 382nd of 3,077 |
| Hail | 83 | 0 | $206K | 32nd of 91 | 918th of 3,080 |
| Tornadoes | 22 | 3 | $98M | 24th of 91 | 367th of 3,080 |
| High wind and dust storms | 13 | 0 | $10K | 19th of 91 | 1029th of 3,080 |
| Floods | 9 | 0 | $1.1M | 84th of 91 | 2149th of 3,080 |
| Extreme cold | 5 | 0 | – | 30th of 91 | 1328th of 3,076 |
| Lightning | 4 | 0 | $700K | 19th of 91 | 549th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Steuben County record: every hazard by year and month, the deadliest events and FEMA's declarations.