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Risk: Relatively Low

Noble County, IN Environment & Hazard Risk

Relatively Low natural hazard risk, led by strong wind. 353 storm events since 1996.

Expected yearly loss
$13.13M
Very Low nationally
Storm events since 1996
353
Most often thunderstorm wind
Flood insurance policies
192
0.9% of homes
Hurricanes nearby
0
1 tropical storm or stronger since 2008

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 44.2 of 100

Social vulnerability

Relatively Moderate

Score 48.7 of 100

Community resilience

Relatively High

Score 71.2 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $11.23B · Agriculture value exposed: $204M · Risk-adjusted yearly loss: $14.62M

Risk by hazard

  • Strong windRelatively Moderate$1.31M/yr expected annual loss, about 5.2 events a year
  • TornadoRelatively Moderate$2.85M/yr expected annual loss, about once every 4 years
  • HailRelatively Moderate$628K/yr expected annual loss, about 3.4 events a year
  • DroughtRelatively Moderate$474K/yr expected annual loss, about 1.9 events a year
  • LandslideVery Low$2,337/yr expected annual loss, about once every 9 years
  • Cold waveRelatively Low$1.25M/yr expected annual loss, about 3.6 events a year
  • EarthquakeVery Low$327K/yr expected annual loss, about once every 803 years
  • LightningRelatively Low$189K/yr expected annual loss, about 39 events a year
  • Winter weatherRelatively Low$46.3K/yr expected annual loss, about 12 events a year
  • Ice stormRelatively Low$45.84K/yr expected annual loss, about 1.4 events a year
  • HurricaneVery Low$13.54K/yr expected annual loss, about once every 75 years
  • Heat waveVery Low$115K/yr expected annual loss, about 4.5 events a year
  • WildfireVery Low$5,474/yr expected annual loss, about once every 76,810 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
192 of 21,172 (0.9%)
Homes in high-risk flood zones
990
Insured in high-risk zones
178 (18%)
Flood claims since 1978
226
Claims paid since 1978
$2.79M

Flood claims paid per year

Flood claims paid per year in Noble County
  • Flooding$141K · 33 claims
  • Mid-spring storms$1,996 · 1 claim

Storm history

Since 1996: 353 events, 7 deaths, $7.91M in damage

  • Thunderstorm Wind151
  • Hail72
  • Winter Weather57 · 7 deaths
  • Winter Storm22
  • Heavy Snow14
  • High Wind12
  • Tornado5
  • Extreme Cold/Wind Chill5
  • Ice Storm4
  • Lightning3

Events per year

Storm events per year in Noble County
13
9
7
12
12
7
14
27
12
11
15
12
17
12
9
11
9
12
9
4

15 tornadoes on record (EF1 3, F0 2, F1 6, F2 2, F3 1, F4 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Winter Weather02/11/2019

    Noble

    3 deaths

    What happened

    Police say 50-year-old JJ Reyes was driving the car with his two daughters, 15-year-old Zulia Reyes and 13-year-old Valeria Reyes. He approached a curve on the snowy road and lost control of the vehicle. Police say it appears his speed was too fast for the conditions. The car slid off the road and went into a ditch before sliding into the Elkhart River near County Road 700 West and Ball Road in Ligonier. All 3 were killed in the accident around 10:00 am February 11th. Roads were snow covered and slick in this area.

  • Winter Weather02/29/2008

    Noble

    2 deaths, 2 injured

    What happened

    The snow was a contributing factor to a 2-car accident in Noble County. A SUV carrying four passengers collided with another vehicle after crossing the centerline. Fatalities included a 28-year-old male and his 5-year-old son. Two other passengers, the 24-year-old wife of the driver and the wife���s 15-year-old sister were injured. Everyone in the vehicle was wearing seat belts.

  • Winter Weather01/28/2019

    Noble

    2 deaths

    What happened

    Snow overspread around daybreak on January 28th and continued through early January 29th. Some freezing drizzle did mix in during the late afternoon and evening hours. Total snow accumulations across the county ranged between 3 and 5 inches. This in tandem with 30 mph wind gusts created difficult travel conditions. There were numerous school delays and cancellations, along with reports of accidents and slide-offs across the region. An accident between a police officer and a SUV resulted in 2 fatalities (the police officer and his wife) Monday night.

  • Thunderstorm Wind05/19/1997

    Near Ligonier, Noble County

    $4M damage

    What happened

    Thunderstorm winds near kendallville downed large trees and power lines.Thunderstorms moving across north side of county damaged farmbuildings, a church, homes and utility towers.

  • TornadoF1, 4 mi path, 300 yd wide10/25/2001

    Kendallville, Noble County

    $1.15M damage

    What happened

    On Wednesday 10/24/01 a surface low pressure system tracked rapidly northeast from the mid Mississippi Valley to northern Lake Michigan and deepened significantly. The accompanying cold front surged east from the Mississippi Valley during the afternoon to southeast Michigan and western Ohio in the evening. The deepening surface low was the result of a negatively tilted upper level trough approaching the Mississippi Valley. The air mass ahead of the cold front was quite unstable with lifted indices around -5C and surface dewpoints of 65-70F. Strong veering wind fields were over the area with 20-30kt S-SSE flow at the surface veering rapidly in the low levels to southwest at 45kts, then remaining unidirectional above with wind speeds increasing to 65kt at 20,000 ft. An area of Thunderstorms across Illinois in the early afternoon formed into a line as they moved into northwest Indiana. Two strong bow echoes developed over northwest and north central Indiana during the late afternoon and moved northeast at 50 MPH into southern Michigan. Numerous tornadoes occurred in the comma heads of the bow echoes. Isolated supercells ahead of the main squall line produced little severe...

  • Thunderstorm Wind70 kt wind03/30/2025

    Albion, Noble County

    1 injured, $15K damage

    What happened

    A mobile home was removed from its foundation.

Latest storm reports

Newest first

  • Strong Wind43 kt wind04/27/2026

    Noble

    $10K damage

  • Winter Weather02/06/2026

    Noble

  • Winter Storm01/25/2026

    Noble

  • Winter Weather01/14/2026

    Noble

  • Winter Storm11/29/2025

    Noble

  • Thunderstorm Wind59 kt wind05/17/2025

    Ligonier, Noble County

  • TornadoEF1, 1.41 mi path, 200 yd wide03/30/2025

    Ege, Noble County

    $100K damage

  • Thunderstorm Wind61 kt wind03/30/2025

    Rome City, Noble County

    $13K damage

Hurricanes and tropical storms

Storms whose track crossed Noble County, with the wind when it passed

Drinking water

13 community water systems serve about 21,150 people. Violations since 2021.

2 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 2 systems had a violation of any kind still open at last report.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Northern Indiana WFO, 15 mi from the county center

Summer highs peak around 83°F in Jul and winter lows bottom out near 18°F in Jan. About 39.8 inches of rain falls in a typical year, with 47.3 inches of snow.

MonthHighLowRainSnow
Jan31°F18°F2.30 in14.6 in
Feb36°F20°F2.31 in14.9 in
Mar47°F29°F2.76 in5.1 in
Apr60°F39°F4.13 in0.9 in
May71°F50°F4.08 in-
Jun79°F60°F4.16 in-
Jul83°F63°F3.84 in-
Aug80°F62°F4.19 in-
Sep74°F54°F3.27 in-
Oct63°F44°F3.08 in-
Nov48°F33°F3.11 in3.7 in
Dec36°F23°F2.57 in8.1 in
Year50°F average39.8 in47.3 in

Pollution sites

0 Superfund sites and 23 toxic release facilities in Noble County

Superfund sites

None in this county.

Toxic release facilities

Total: 592,030 lbs in 2024, 285,973 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk8 historic places

Frequently asked questions

How risky is Noble County for natural disasters?
FEMA rates Noble County relatively low for overall natural hazard risk, with expected losses of $13.13M a year. The highest-rated hazards are strong wind (relatively moderate), tornado (relatively moderate), hail (relatively moderate).
What storms are most common in Noble County?
Since 1996, NOAA recorded 353 storm events affecting Noble County, most often thunderstorm wind (151), hail (72), winter weather (57).
How many tornadoes have hit Noble County?
15 tornadoes have been recorded in Noble County since 1950, including 2 rated F3/EF3 or stronger.
How many homes in Noble County have flood insurance?
192 residential flood insurance policies are in force in Noble County, covering about 0.9% of homes. The program has paid $2.79M on 226 claims here since 1978.
What is the weather like in Noble County?
At Northern Indiana WFO, average highs reach 83°F in Jul and lows fall to 18°F in Jan, with 39.8 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.