Natural Disaster Risk in Clifford
Indiana
Risk Summary for Clifford
Clifford scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Clifford, Indiana
Clifford, in Bartholomew County, is a small unincorporated community 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 Clifford residents and property owners must navigate.
According to FEMA's National Risk Index, Clifford 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 earthquake and landslide.
Within Indiana, Clifford'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 Bartholomew County identifies tornado as the foremost hazard, followed by earthquake and landslide. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Clifford 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 Clifford: 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 Clifford
These city-level factors differentiate Clifford from other communities in Bartholomew County and provide geographic context for its hazard exposure.
Population
165
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.3Β°
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: 3.5/10
Coordinates
39.2827Β° N, 85.8691Β° W
Bartholomew 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 Clifford
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Clifford
Other cities in Indiana
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.