🌍 ClimateRiskCheck

Natural Disaster Risk in Clarksville

Indiana

6.5out of 10
High Risk

Risk Summary for Clarksville

Clarksville scores 6.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.

Top Hazards

Strong Wind Tornado Earthquake

All 18 Hazard Scores

Strong Wind
9.8
Tornado
9.6
Earthquake
8.6
Landslide
8.5
Lightning
8.1
Cold Wave
8.1
Ice Storm
8.0
Extreme Heat
6.5
Winter Weather
6.1
Tsunami
5.4
Hail
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
4.8
Avalanche
4.5
Hurricane
4.3
Wildfire
3.1
Riverine Flooding
1.0

How it compares

Clarksville
6.5
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: Clarksville, Indiana

Clarksville is a city of approximately 19,582 residents in Clark 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 Clarksville.

According to FEMA's National Risk Index, Clarksville carries an overall risk score of 6.5/10, placing it in the high 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 tornado and earthquake.

Clarksville's risk score, slightly above 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 Clark County, the highest-scoring are wind, tornado, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Clarksville's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Clarksville: 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 Clarksville

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

Population

19,582

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.3Β°

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: 3.1/10

Coordinates

38.3138Β° N, 85.7687Β° W

Clark 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 Clarksville

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Clarksville

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.