🌍 ClimateRiskCheck

Natural Disaster Risk in Avoca

Indiana

5.5out of 10
Moderate Risk

Risk Summary for Avoca

Avoca scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.

Top Hazards

Strong Wind Earthquake Tornado

All 18 Hazard Scores

Strong Wind
8.2
Earthquake
7.9
Tornado
7.7
Winter Weather
7.3
Extreme Heat
6.7
Ice Storm
6.1
Drought
5.4
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Hail
4.7
Lightning
4.7
Landslide
4.7
Avalanche
4.5
Hurricane
4.4
Cold Wave
3.9
Wildfire
2.6
Riverine Flooding
1.0

How it compares

Avoca
5.5
Indiana avg.
5.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

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

Natural Hazard Profile: Avoca, Indiana

Avoca is a small unincorporated community in Lawrence County, in the interior eastern United States. The area experiences cold winters and warm, humid summers with variable severe weather, with spring tornado risk across the state shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Avoca.

According to FEMA's National Risk Index, Avoca carries an overall risk score of 5.5/10, placing it in the moderate category. Wind damage from severe weather systems tops the local risk profile, with open terrain and frequent storm activity amplifying exposure to destructive gusts. The area also faces notable exposure to earthquake and tornado.

Avoca's risk score, near the 5.5/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Lawrence County, the highest-scoring are wind, earthquake, and tornado. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Avoca residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wind is recommended.

What this means for Avoca: Strong Wind preparedness

  • Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
  • Secure or store outdoor furniture and loose objects that can become projectiles.
  • Confirm your policy covers wind damage and keep an inventory of property for claims.

Local Factors for Avoca

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

Population

89

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.9Β°

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: 2.6/10

Coordinates

38.9190Β° N, 86.5493Β° W

Lawrence 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 Avoca

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Avoca

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.