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Chain-O-LakesIN

Some 490 people live in this town, in Indiana.

Is Chain-O-Lakes a good place to live?

No town among the 594 in Indiana we compare has a higher share of homes lived in by their owners than Chain-O-Lakes. The biggest park or preserve is Lydick Bog Nature Preserve, at 36 acres. Chain-O-Lakes has fewer than 1,000 residents, too few for fair grades; the figures below are still real.

Small town

490 people, and everyone knows the way

In a town this size, neighbors are the best guide. Ask them anything.

Nearby towns
Getting set up

Moving to Chain-O-Lakes: who provides what

Who provides power, water and the rest in Chain-O-Lakes, and how to reach them.

PowerIndiana Michigan Power17.2¢/kWh · EIA 2025HIFLD · EIA
Internet6 providers100% of addresses get 100/20 MbpsFCC
SchoolsSouth Bend Community School CorporationWhich school depends on your addressNCES
Register to voteOnlineIn Indiana you can register online until 29 days before Election Day, in person until 29 days before Election Day, or by mail (postmarked 29 days before).vote.gov
Who runs elections hereSt. Joseph Election and Voter Registration OfficeSt. Joseph County; contacts on the Handbook page.FVAP, Sep 2025
ZIP code4662846628 100%Census 2020

EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 18, 2024.

The data

Ordered by what stands out in Chain-O-Lakes.

Natural hazards

The biggest natural risk in Chain-O-Lakes is inland flooding, at a very low overall level

Chain-O-Lakes’ risk rating from FEMA is 9 of 100, below both the Indiana town median (38 of 100) and the median of U.S. towns (44 of 100). Expected losses in Chain-O-Lakes break down as 51% from inland flooding and 24% from cold waves.

9risk score of 100
FEMA risk score
9Very low riskLowerHigher
Inland floodingCold wavesTornadoes

FEMA National Risk Index · OpenFEMA

Work & commute

A smaller share of working residents in Chain-O-Lakes work locally than in the typical Indiana or U.S. town

In Chain-O-Lakes, 5.1% of residents live below the poverty line. Chain-O-Lakes’ average trip to work is 17 minutes, below both Indiana’s towns (24 minutes) and U.S. towns (25 minutes). The top destinations are South Bend (31%), Mishawaka (9%) and Elkhart (7%). Half of commuters travel less than 10 miles.

1%work in town
Chain-O-LakesIndiana townsU.S. towns
Average trip to work17 minutes24 minutes25 minutes
Working residents who work in town0.8%11%8%
Below the poverty line5.1%10%9.6%
Median household income$88,000$71,000$80,000

Where working residents work

In Chain-O-Lakes1%
South Bend31%
Mishawaka9%
Elkhart7%
Notre Dame4%
10 mi
median commute distance
60
jobs based in Chain-O-Lakes
A commuter town
jobs vs. working residents

Census LEHD 2023 · ACS

Climate

Chain-O-Lakes: snowy winters and pleasant summers

Chain-O-Lakes’ July high stands at 83°F.

65″snow a winter

Typical low → high °F

Winter20–35°
Spring38–59°
Summer60–81°
Fall42–62°
Oct 19
typical first frost
May 1
typical last frost
+1.3°
vs. the 20th-century average

NOAA U.S. Climate Normals, 1991–2020

0.1%
conserved · 0 of 985 acres
0.0 mi
of trails · 0 per sq mi
Biggest places to walkTrailsAcres
1. Lydick Bog Nature Preserve—36

Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US

Nearby attractions

Notre Dame Stadium and 17 more within 40 miles

Museums, parks, gardens and other places to visit around Chain-O-Lakes. Close and well known come first.

All 25 attractions →
Sources: National Park Service · ski areas © OpenSkiMap / OpenStreetMap contributors · Wikidata · Wikipedia readership · photos via Wikimedia Commons
Photo credits

Notre Dame Stadium: Tysto, Public domain · Indiana Dunes National Park: J. Crocker, Attribution · Grotto of Our Lady of Lourdes, Notre Dame: Know1one1, CC BY-SA 3.0 · Studebaker National Museum: Unknown, Public domain · Warren Dunes State Park: hakkun, CC BY-SA 3.0

Keep exploring

Everything we know about Chain-O-Lakes

14pages on Chain-O-Lakes
After high school

Colleges nearby

6 within 15 miles of the center of Chain-O-Lakes

A commuter town

99% of working residents leave Chain-O-Lakes for work

Where Chain-O-Lakes’s working residents go each day. Line width shows the share.

31% → South Bend South Bend 31% 9% → Mishawaka Mishawaka 9% 7% → Elkhart Elkhart 7% 4% → Notre Dame Notre Dame 4% 2% → Penn Township Penn Township 2% 2% → German Township German Township 2% Chain-O-Lakes · 1% stay
60jobs based in Chain-O-Lakes
1%of working residents work in town
10 mimedian commute distance

Census LEHD 2023

About Chain-O-Lakes

Unincorporated community and Census designated place in Indiana, United States

Chain-O-Lakes is an unincorporated community in Warren Township, St. Joseph County, in the U.S. state of Indiana.

From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)

Elevation
741 ft

Questions about Chain-O-Lakes

Short answers, built from the data on this page.

Is Chain-O-Lakes, IN a good place to live?

Chain-O-Lakes has fewer than 1,000 residents, too few for fair grades; the figures below are still real. Some 490 people live in this town, in Indiana.