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Otter Lake, IN
Full City Profile · Indiana · Steuben County County
3.4
/5.0
B
Good
297
Population
594/sq mi density
$153,162
Median Income
$36,957 per capita
$242,200
Home Value
$214,157 Zillow
48°F
Avg Temperature
275 sunny days/yr
46
Violent Crime/100K
4,237 property/100K
B
Overall
3.4 / 5.0
Good overall score based on economy, affordability, safety and education
A+
Economy
5.0 / 5.0
$153,162 median income, 0.0% unemployment
A+
Affordability
5.0 / 5.0
$242,200 home value, /mo rent
F
Safety
1.0 / 5.0
46 violent crimes/100K
C+
Education
2.5 / 5.0
19.3% bachelor's degree or higher
Otter Lake experiences four distinct seasons with an average annual temperature of 48°F (9°C). Winters average 23°F in January while summers reach 72°F in July. The area gets 275 sunny days per year. Annual precipitation totals 38.8 inches. The area receives 38.9 inches of snow annually. Air quality is rated Good with a median AQI of 41.
Temperature
23°F Jan (-5°C)
72°F Jul (22°C)
| Annual Average | 48.3°F |
| 11% below US avg | |
| January Average | 23°F (-5°C) |
| July Average | 72°F (22°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 997 ft (304 m) |
| Area | 0.5 sq mi (1.3 km²) |
| Population Density | 594/sq mi |
| Coordinates | 41.6381°N, 85.1715°W |
| Timezone | America/Indiana/Indianapolis |
| County | Steuben County County |
| Nearest Airport | Fort Wayne International (FWA) 46 miles away |
Precipitation & Snow
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 27.2 / 100 |
| Social Vulnerability | 25.6 / 100 |
| Community Resilience | 69.5 / 100 |
Hazard Breakdown
| Tornado | Relatively Low |
| Hurricane | Very Low |
| Earthquake | Very Low |
| Wildfire | Very Low |
| Flood | Relatively Low |
| Hail | Relatively Low |
| Strong Wind | Relatively Moderate |
| Heat Wave | Very Low |
| Winter Weather | Relatively Low |
| Lightning | Relatively Low |
| Ice Storm | Relatively Low |
| Drought | Relatively Low |
| Cold Wave | Relatively Low |
| 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 | 142 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Monthly Weather
| Month | Avg Temperature | Precipitation | Summary |
|---|---|---|---|
| January | 23°F (-5°C) | 1.8 in | Coldest |
| February | 25°F (-4°C) | 1.7 in | Driest |
| March | 36°F (2°C) | 2.8 in | |
| April | 47°F (8°C) | 3.5 in | |
| May | 59°F (15°C) | 3.7 in | |
| June | 68°F (20°C) | 3.8 in | Wettest |
| July | 72°F (22°C) | 3.7 in | Warmest |
| August | 70°F (21°C) | 3.7 in | |
| September | 63°F (17°C) | 3.4 in | |
| October | 51°F (11°C) | 2.6 in | |
| November | 39°F (4°C) | 2.9 in | |
| December | 28°F (-2°C) | 2.7 in |
Otter Lake has a seasonal temperature swing of 48°F / from 23°F in January to 72°F in July. Total annual precipitation is 36.3 inches, with June being the wettest month (3.8") and February the driest (1.7").