FEMA expects less hazard damage per building in Gilmer Park than almost anywhere in the U.S., mostly from river and rain flooding
On FEMA’s National Risk Index, Gilmer Park gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (71%), then tornadoes (14%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Gilmer Park faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Hail
Earthquakes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Gilmer Park’s grade
River and rain flooding is 71% of the building damage FEMA expects in Gilmer Park, and Gilmer Park’s rate of river and rain flooding damage is lower than 93% of U.S. census tracts. Next is tornadoes at 14% (higher than 61% of U.S. census tracts).
A+ among the lowest expected damage per building of U.S. towns (21,298).
All of Gilmer Park’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $228K a year in losses across Gilmer Park: $131K to buildings, the rest to people and crops.
Does Gilmer Park flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Gilmer Park. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Gilmer Park isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: St. Joseph County.The storms Gilmer Park remembers
None of the 14 disasters declared for St. Joseph County shows FEMA aid or repair money reaching Gilmer Park itself in FEMA’s records, so these are its biggest flood-claim years.
St. Joseph County has had 14 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Gilmer Park and its neighbors
Gilmer Park has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Gilmer Park | A+among the lowest damage | river and rain flooding | 0 |
| South Bend | A+less damage than 95% | river and rain flooding | 49 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Gilmer Park faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Gilmer Park
Is Gilmer Park at risk for natural disasters?
On FEMA’s National Risk Index, Gilmer Park has among the lowest expected damage per building of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (71%) and tornadoes (14%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Gilmer Park in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In St. Joseph County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Gilmer Park?
FEMA’s Community Rating System list shows no discount for Gilmer Park’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Gilmer Park at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Gilmer Park’s rate for it is lower than 93% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Gilmer Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Gilmer Park’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.