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Weather & Climate in Waterloo, IN
Temperature, precipitation, air quality, natural hazards, and monthly weather data.
Waterloo experiences four distinct seasons with an average annual temperature of 50°F (10°C). Winters average 24°F in January while summers reach 73°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 38.0 inches. The area receives 29.5 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 929 feet.
Temperature
24°F Jan (-4°C)
73°F Jul (23°C)
| Annual Average | 49.5°F |
| 8% below US avg | |
| January Average | 24°F (-4°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 929 ft (283 m) |
| Area | 1.7 sq mi (4.5 km²) |
| Population Density | 1,033/sq mi |
| Coordinates | 41.4374°N, 85.0517°W |
| Timezone | America/Indiana/Indianapolis |
| County | DeKalb County County |
| Nearest Airport | Fort Wayne International (FWA) 33 miles away |
Precipitation & Snow
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 41.3 / 100 |
| Social Vulnerability | 35.6 / 100 |
| Community Resilience | 94.3 / 100 |
Hazard Breakdown
| Tornado | Relatively Moderate |
| 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)
Earthquake History
12 earthquakes (M2.5+) recorded within 150 km since 1990. Strongest on record: M4.2.
| May 2, 2015 | 5 km S of Galesburg, Michigan | M4.2 | 94 km | 4 km |
| Jun 30, 2015 | 5 km NNE of Burlington, Michigan | M3.3 | 79 km | 5 km |
| Jan 26, 2012 | 5 km NE of Topeka, Indiana | M3.0 | 40 km | 5 km |
| Apr 17, 1990 | 8 km NW of Fort Recovery, Ohio | M3.0 | 110 km | 5 km |
| Apr 4, 1994 | 2 km WNW of Minster, Ohio | M2.9 | 128 km | 5 km |
| May 12, 2006 | 2 km E of Lima, Ohio | M2.8 | 112 km | 5 km |
| May 14, 2010 | 1 km ENE of Gibsonburg, Ohio | M2.7 | 146 km | 5 km |
| Jun 12, 2015 | 6 km NW of Convoy, Ohio | M2.6 | 59 km | 5 km |
| May 20, 2023 | 3 km SSE of Walbridge, Ohio | M2.6 | 131 km | 6 km |
| Jan 30, 2004 | 2 km S of Rockford, Ohio | M2.5 | 92 km | 5 km |
| Jun 4, 1990 | 4 km SSE of Van Buren, Ohio | M2.5 | 124 km | 5 km |
| Mar 18, 2024 | 4 km WSW of Millbury, Ohio | M2.5 | 132 km | 6 km |
Source: USGS Earthquake Catalog (M2.5+, 1990–2025). Sorted by magnitude.
Tornado History
450 tornadoes (EF0+) recorded within 100 km since 1950. Strongest on record: EF4. Total: 148 fatalities, 1,908 injuries.
| Date | Rating | Distance | Path | Fatalities |
| Nov 10, 2002 | EF4 | 77 km | 52.8 mi | 4 |
| Feb 18, 1992 | EF4 | 88 km | 2.8 mi | 0 |
| Apr 11, 1965 | EF4 | 85 km | 21.2 mi | 31 |
| Apr 11, 1965 | EF4 | 34 km | 90.3 mi | 23 |
| Apr 11, 1965 | EF4 | 58 km | 21.6 mi | 5 |
| Apr 11, 1965 | EF4 | 41 km | 80.5 mi | 21 |
| Apr 11, 1965 | EF4 | 97 km | 37.0 mi | 36 |
| Jun 8, 1953 | EF4 | 99 km | 118.0 mi | 17 |
| May 27, 2019 | EF3 | 100 km | 12.8 mi | 0 |
| Aug 24, 2016 | EF3 | 34 km | 5.2 mi | 0 |
| Oct 18, 2007 | EF3 | 95 km | 20.3 mi | 0 |
| Nov 10, 2002 | EF3 | 86 km | 5.0 mi | 0 |
| Oct 24, 2001 | EF3 | 90 km | 32.0 mi | 0 |
| Mar 27, 1991 | EF3 | 10 km | 21.0 mi | 1 |
| Mar 27, 1991 | EF3 | 49 km | 5.0 mi | 0 |
| May 15, 1986 | EF3 | 55 km | 1.2 mi | 0 |
| Apr 3, 1974 | EF3 | 35 km | 36.2 mi | 5 |
| Apr 3, 1974 | EF3 | 66 km | 8.7 mi | 0 |
| Jun 2, 1971 | EF3 | 97 km | 39.6 mi | 0 |
| Aug 22, 1964 | EF3 | 96 km | 0.1 mi | 0 |
Source: NOAA Storm Prediction Center (EF0+, 1950–2024, US only).
Monthly Weather
| Month | Avg Temperature | Precipitation | Summary |
|---|---|---|---|
| January | 24°F (-4°C) | 1.8 in | Coldest |
| February | 26°F (-4°C) | 1.7 in | Driest |
| March | 36°F (2°C) | 2.7 in | |
| April | 47°F (9°C) | 3.4 in | |
| May | 59°F (15°C) | 3.8 in | |
| June | 68°F (20°C) | 3.9 in | Wettest |
| July | 73°F (23°C) | 3.7 in | Warmest |
| August | 70°F (21°C) | 3.4 in | |
| September | 63°F (17°C) | 3.3 in | |
| October | 51°F (11°C) | 2.5 in | |
| November | 40°F (4°C) | 3.0 in | |
| December | 28°F (-2°C) | 2.8 in |
Waterloo has a seasonal temperature swing of 49°F / from 24°F in January to 73°F in July. Total annual precipitation is 35.8 inches, with June being the wettest month (3.9") and February the driest (1.7").