All Countries
Chain-O-Lakes, IN
Full City Profile · Indiana · St. Joseph County County
3.0
/5.0
B
Good
427
Population
277/sq mi density
$71,010
Median Income
$28,725 per capita
$255,300
Home Value
$266,214 Zillow
49°F
Avg Temperature
275 sunny days/yr
685
Violent Crime/100K
4,704 property/100K
B
Overall
3.0 / 5.0
Good overall score based on economy, affordability, safety and education
A
Economy
4.4 / 5.0
$71,010 median income, 0.0% unemployment
A+
Affordability
4.7 / 5.0
$255,300 home value, /mo rent
F
Safety
1.0 / 5.0
685 violent crimes/100K (80% above avg)
C
Education
2.1 / 5.0
13.3% bachelor's degree or higher
Chain-O-Lakes experiences four distinct seasons with an average annual temperature of 49°F (9°C). Winters average 24°F in January while summers reach 72°F in July. The area gets 275 sunny days per year. Annual precipitation totals 39.2 inches. The area receives 64.5 inches of snow annually. Air quality is rated Good with a median AQI of 41.
Temperature
24°F Jan (-4°C)
72°F Jul (22°C)
| Annual Average | 49.3°F |
| 9% below US avg | |
| January Average | 24°F (-4°C) |
| July Average | 72°F (22°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 741 ft (226 m) |
| Area | 1.5 sq mi (4.0 km²) |
| Population Density | 277/sq mi |
| Coordinates | 41.7071°N, 86.3883°W |
| Timezone | America/Indiana/Indianapolis |
| County | St. Joseph County County |
| Nearest Airport | South Bend International (SBN) 4 miles away |
Precipitation & Snow
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0449 ppm |
| NO₂ (Nitrogen Dioxide) | 7.7 ppb |
| PM2.5 (Fine Particles) | 9.9 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 85.8 / 100 |
| Social Vulnerability | 37.2 / 100 |
| Community Resilience | 90.0 / 100 |
Hazard Breakdown
| Tornado | Relatively High |
| Hurricane | Very Low |
| Earthquake | Relatively Low |
| Wildfire | Very Low |
| Flood | Relatively Moderate |
| Hail | Relatively High |
| Strong Wind | Relatively High |
| Heat Wave | Relatively Moderate |
| Winter Weather | Relatively Moderate |
| Lightning | Relatively Moderate |
| Ice Storm | Relatively Moderate |
| Drought | Very Low |
| Cold Wave | Relatively High |
| Landslide | Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tsunami History
1 tsunami recorded within 500 km. Highest wave on record: 3.0 m (10 ft).
| Year | Location | Cause | Max Wave | Deaths | Distance |
| 1954 | MICHIGAN CITY, IN (LAKE MICHIGAN) | Avalanche | 3.0 m | 7 | 41 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Monthly Weather
| Month | Avg Temperature | Precipitation | Summary |
|---|---|---|---|
| January | 24°F (-4°C) | 2.2 in | Coldest |
| February | 27°F (-3°C) | 1.8 in | Driest |
| March | 37°F (3°C) | 2.9 in | |
| April | 48°F (9°C) | 3.7 in | |
| May | 60°F (15°C) | 3.4 in | |
| June | 69°F (21°C) | 4.1 in | Wettest |
| July | 72°F (22°C) | 3.7 in | Warmest |
| August | 71°F (22°C) | 3.7 in | |
| September | 63°F (17°C) | 3.8 in | |
| October | 52°F (11°C) | 3.2 in | |
| November | 40°F (5°C) | 3.4 in | |
| December | 29°F (-2°C) | 3.2 in |
Chain-O-Lakes has a seasonal temperature swing of 48°F / from 24°F in January to 72°F in July. Total annual precipitation is 39.0 inches, with June being the wettest month (4.1") and February the driest (1.8").