🌍 ClimateRiskCheck

Natural Disaster Risk in Albany

Indiana

6.1out of 10
High Risk

Risk Summary for Albany

Albany scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Hail Earthquake

All 18 Hazard Scores

Tornado
9.2
Hail
8.8
Earthquake
8.5
Lightning
7.9
Winter Weather
7.8
Strong Wind
7.0
Ice Storm
6.3
Cold Wave
5.6
Hurricane
5.4
Tsunami
5.4
Drought
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Extreme Heat
4.4
Landslide
4.2
Wildfire
3.2
Riverine Flooding
1.0

How it compares

Albany
6.1
Indiana avg.
5.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Albany, Indiana

Albany, in Delaware County, is a town of roughly 4,563 residents situated in the interior eastern United States. Its humid continental climate brings cold winters and warm, humid summers with variable severe weather, and in particular spring tornado risk across the state. These conditions collectively define the natural hazard environment that Albany residents and property owners must navigate.

According to FEMA's National Risk Index, Albany carries an overall risk score of 6.1/10, placing it in the high category. Tornado activity is the top natural hazard risk, with the region lying in a corridor where warm, moist air frequently clashes with dry, cool air masses to spawn severe supercell thunderstorms. The area also faces notable exposure to hail and earthquake.

Within Indiana, Albany's risk is, slightly above the 5.5/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Delaware County identifies tornado as the foremost hazard, followed by hail and earthquake. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Albany residents benefit from taking preparedness seriously. Reviewing insurance coverage for tornado and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Albany: Tornado preparedness

  • Review whether your insurance covers wind and debris damage, and document belongings in advance.
  • Identify the safest interior room on the lowest floor β€” away from windows β€” as your shelter.
  • Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.

Local Factors for Albany

These city-level factors differentiate Albany from other communities in Delaware County and provide geographic context for its hazard exposure.

Population

4,563

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 3.2/10

Coordinates

40.2787Β° N, 85.2672Β° W

Delaware County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Albany

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Albany

Other cities in Indiana

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.