Photo: Chris Light · CC BY-SA 3.0On FEMA’s figures, Constantine faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Constantine gets a C+ for hazard risk: higher expected damage per building than 55% of U.S. towns. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 2 claims here since 2018.
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 Constantine 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
Hail
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 Constantine’s grade
River and rain flooding is 86% of the building damage FEMA expects in Constantine, and Constantine’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Next is hail at 6% (higher than 87% of U.S. census tracts).
C+ higher expected damage per building than 55% of U.S. towns (21,298).
All of Constantine’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $743K a year in losses across Constantine: $582K to buildings, the rest to people and crops.
Does Constantine flood? Rarely: 2 flood claims since 2018
Every paid claim on a federal flood insurance policy in Constantine, from FEMA’s records: 2.2 per 1,000 homes, fewer than 59% of the 13,809 U.S. towns with a flood insurance record.
Constantine 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.3 federal disasters brought FEMA money to Constantine
Disasters that paid out in Constantine itself (aid to households or repair grants to the Village of Constantine), newest first, with that year’s flood claims.
- 2004Severe Storms, Tornadoes, and Flooding3 households applied for aid$6K aid approved
- 2000Snow$4K to the Village of Constantine for repairs
- 1999Mi - Severe Weather 1/2 /99$5K to the Village of Constantine for repairs
St. Joseph County has had 5 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Constantine after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Constantine archive →Get ready for what Constantine 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.
- 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.
- 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 Constantine
Is Constantine at risk for natural disasters?
On FEMA’s National Risk Index, Constantine has higher expected damage per building than 55% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (86%) and hail (6%). 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.
Does Constantine flood?
Flood insurance has paid 2 claims in Constantine since 2018, $11K in all, or 2.2 per 1,000 homes, fewer than 59% of U.S. towns with a flood insurance record.
Is Constantine 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, 16% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Constantine?
FEMA’s Community Rating System list shows no discount for Constantine’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Constantine?
By FEMA money that reached Constantine, Severe Storms, Tornadoes, and Flooding (2004): 3 households applied for aid, $6K approved.
Is Constantine at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Constantine’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Constantine.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Constantine’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.