Ranck, Thomas, Round Barn · Photo: Jack Boucher · Public domainThe climate in Waterloo Township sits close to the middle of U.S. towns
Deep winter brings January lows near 20°. Compared with 1901–2000, the average now sits 1.1° higher. Comfortable outdoor weather lasts from April to June and August to October, with highs of 64–84°.
A year in Waterloo Township at a glance
Each month’s typical high and low, and what it brings.
What stands out about Waterloo Township’s climate
Compared with towns across the U.S., with Waterloo Township’s place in Indiana beside it.
What a year in Waterloo Township feels like
Typical highs and lows by season and by month, from NOAA’s 30-year normals.
About 164 frost-free days a year
In half of years the last 32° night comes by April 27 and the first by October 9. Frost and day counts come from NOAA’s station at Cambridge City 3 N, IN, 13 miles from the town’s center, at about the same height.
The 2023 USDA map puts Waterloo Township’s center in zone 6a: the coldest night of a typical winter, averaged over 1991–2020, reaches about −6°. Plant labels use the zone; frost dates tell you when to plant.
Freezing nights by month
Average nights at or below 32°
90° days by month
Average days at 90° or more
About 25 inches of snow a winter
Snow, measured at Liberty 3 Sse, IN, falls mostly in January. Precipitation (rain plus melted snow) adds up to 44 inches a year; June is the wettest month and February the driest. Rain or snow falls on about 140 days a year.
Rain + melted snow by month
Inches of water
Snowfall by month
Inches of snow
Heating and cooling a home in Waterloo Township
91% of the work is heating, so the furnace matters far more than the air conditioner. Months averaging under 55° run from October through April.
Degree days add up how far each day’s average falls below (heating) or rises above (cooling) 65° over a year. NOAA normals at Cambridge City 3 N, IN.
Living with Waterloo Township’s climate
What the numbers mean for a garden, a free afternoon and a bad-weather day.
164 frost-free days in zone 6a. The last frost comes by Apr 27 in half of years, so many gardeners wait a week or two past that to set out tomatoes. The first fall frost comes by Oct 9.
Months with highs of 62–84° and lows of 40° or more: April, May, June, August, September and October.
Parks & trails →Of the yearly building losses FEMA expects in Waterloo Township from natural hazards, river flooding is the largest share (59%); heat waves, cold waves, winter storms and ice storms together are 8%. Normals are averages; the hazards page covers the extremes.
Natural hazards →Waterloo Township and its neighbors
Every town next door is within a degree of Waterloo Township in January and July, closer than the 5 km grid can tell apart. Tap a town to see its climate.
Climates most like Waterloo Township’s, farther away
TownRatings’ own comparison of NOAA 1991–2020 normals, not a NOAA product: places of 5,000+ at least 150 miles away, one per state, closest on January low, July high, precipitation and snow.
| Town | Jan. low | July high | Precip. | Snow |
|---|---|---|---|---|
| Waterloo Township, IN | 20° | 85° | 44" | 25" |
| Selinsgrove, PA | 20° | 85° | 43" | 29" |
| New Martinsville, WV | 22° | 85° | 46" | 27" |
| Westminster, MD | 22° | 86° | 45" | 28" |
| Uhrichsville, OH | 20° | 84° | 41" | 26" |
Temperatures and rain come from NOAA’s 5 km grid, so each town gets its own value. Snow and frost-free days come from the nearest weather station, so neighbors often share them.
Warmer than it used to be
The last 30 years in Waterloo Township averaged 1.1° warmer than the 1900s. The biggest change is in December (+2.2°).
A smaller shift than in 68% of U.S. towns.
Change by month
The two periods overlap (1991–2000 is in both), which makes the gap a little smaller than it would be between separate periods.
How Waterloo Township compares
Against 12,954 U.S. towns of 2,500 or more (one per 5 km climate cell), with Waterloo Township’s place among Indiana’s.
Waterloo Township weather by month
Highs, lows and precipitation from NOAA’s grid at Waterloo Township’s center; snow, wet days and snow on the ground from Liberty 3 Sse, IN. 1991–2020 normals.
| Month | High | Low | Rain + melt | Snow | Wet days | Snow on ground | 30-yr range |
|---|---|---|---|---|---|---|---|
| January | 36° | 20° | 3.2" | 8.6" | 14 | 12 | 20° – 39° |
| February | 40° | 23° | 2.5" | 4.8" | 10 | 8 | 19° – 41° |
| March | 51° | 31° | 3.6" | 3.4" | 12 | 4 | 34° – 54° |
| April | 64° | 41° | 4.6" | 0.3" | 14 | 0 | 46° – 58° |
| May | 74° | 51° | 4.8" | 0.0" | 14 | 0 | 56° – 70° |
| June | 82° | 60° | 5.1" | 0.0" | 12 | 0 | 66° – 74° |
| July | 85° | 63° | 4.3" | 0.0" | 12 | 0 | 69° – 80° |
| August | 84° | 61° | 3.2" | 0.0" | 10 | 0 | 68° – 78° |
| September | 78° | 54° | 3.1" | 0.0" | 9 | 0 | 62° – 71° |
| October | 66° | 43° | 3.1" | 0.2" | 9 | 0 | 51° – 60° |
| November | 52° | 33° | 3.4" | 1.0" | 11 | 1 | 35° – 48° |
| December | 40° | 25° | 3.2" | 6.6" | 12 | 7 | 20° – 43° |
| Year | 63° | 42° | 44.0" | 24.9" | 140 | 32 |
How much a month can swing
A normal is an average. December swings the most: from 1991 to 2020 its average ranged from 20° to 43°. June is the most reliable, staying within 8°.
Where Waterloo Township’s numbers come from
Normals are 30-year averages, not a forecast. How TownRatings reads climate data →
- Temperatures and precipitation: NOAA’s gridded 1991–2020 normals for the 5 km cell at Waterloo Township’s center.
- Snow: Liberty 3 Sse, IN.
- Frost, freezing nights, 90° and 100° days, heating and cooling: Cambridge City 3 N, IN, 13 miles from the town’s center, at about the same height; the nearest station that passes our checks for distance, height and agreement with the grid.
- Growing zone: USDA Plant Hardiness Zone Map, 2023. USDA Agricultural Research Service and PRISM Group, Oregon State University, prism.oregonstate.edu/phzm, accessed 8 Oct 2026.
- Then and now: NOAA’s gridded normals for 1901–2000 at the same cell.
- Storms and extremes: FEMA National Risk Index (expected annual losses to buildings).
Common questions about Waterloo Township’s climate
What is the weather like in Waterloo Township?
A typical July afternoon reaches 85°, a January night drops to 20°, and about 25 inches of snow falls in a normal winter. Colder January nights than 58% of U.S. towns; cooler July afternoons than 52% of U.S. towns.
How cold does it get in Waterloo Township in winter?
January nights average 20°. About 139 nights a year reach 32° or below and 8 reach 0° or below. In the coldest January of the last 30 years the month averaged 20°.
How much snow does Waterloo Township get?
About 25 inches in a normal winter at Liberty 3 Sse, IN, most of it in January, with snow on the ground about 32 days a year.
How hot does it get in Waterloo Township?
July, with a typical high of 85° and a low of 63°. About 6 days a year reach 90° (Cambridge City 3 N, IN).
When is the first and last frost in Waterloo Township?
In half of years the last spring frost (32°) comes by April 27 and the first fall frost by October 9, about 164 frost-free days, at Cambridge City 3 N, IN.
What growing zone is Waterloo Township in?
Zone 6a on the 2023 USDA Plant Hardiness Zone Map: the coldest night of a typical winter reaches about −6°.
What is the best time of year to visit Waterloo Township?
By one simple rule (highs of 62–84° and lows of 40° or more), April, May, June, August, September and October. The rule is ours, not NOAA’s; the month table has the numbers to judge by.
Is Waterloo Township getting warmer?
Yes: 1991–2020 averaged 1.1° warmer than 1901–2000 on NOAA’s grid. A smaller shift than 68% of U.S. towns.
Neighbors talk weather
Gardens, snow, and the best days of the year in Waterloo Township.
Source: NOAA NCEI U.S. Climate Normals, 1991–2020 and 1901–2000; USDA/PRISM 2023 hardiness zones; FEMA National Risk Index. Today’s forecast: National Weather Service.