Natural Disaster Risk in Pleasant Lake
Indiana
Risk Summary for Pleasant Lake
Pleasant Lake scores 5.1/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Average risk β standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Pleasant Lake, Indiana
Pleasant Lake, in Steuben County, is a small community of about 2,221 situated in the Great Lakes region. Its humid continental climate brings cold winters and warm, humid summers with variable severe weather, and in particular spring tornado risk across the state. These conditions collectively define the natural hazard environment that Pleasant Lake residents and property owners must navigate.
According to FEMA's National Risk Index, Pleasant Lake carries an overall risk score of 5.1/10, placing it in the moderate category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to wind and tornado.
Within Indiana, Pleasant Lake's risk is, slightly below the 5.5/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Steuben County identifies hail as the foremost hazard, followed by wind and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Pleasant Lake residents are well-served by maintaining standard preparedness practices β an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hail is recommended.
What this means for Pleasant Lake: Hail preparedness
- Document roof and property condition annually to streamline any future hail claims.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
Local Factors for Pleasant Lake
These city-level factors differentiate Pleasant Lake from other communities in Steuben County and provide geographic context for its hazard exposure.
Population
2,221
Small TownGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Moderate Continental
Latitude 41.6Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower β moist climate limits wildfire frequency
Fire score: 2.4/10
Coordinates
41.5725Β° N, 85.0309Β° W
Steuben County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Pleasant Lake
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Pleasant Lake
Other cities in Indiana
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.