🌍 ClimateRiskCheck

Natural Disaster Risk in Elnora

Indiana

6.2out of 10
High Risk

Risk Summary for Elnora

Elnora scores 6.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.

Top Hazards

Earthquake Winter Weather Drought

All 18 Hazard Scores

Earthquake
9.0
Winter Weather
7.9
Drought
7.8
Tornado
7.6
Landslide
7.4
Extreme Heat
7.1
Strong Wind
7.0
Ice Storm
6.7
Hail
6.0
Lightning
6.0
Tsunami
5.4
Hurricane
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Cold Wave
4.0
Wildfire
3.2
Riverine Flooding
1.0

How it compares

Elnora
6.2
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: Elnora, Indiana

Elnora is a small community of about 1,037 in Daviess 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 Elnora.

FEMA rates Elnora's composite natural disaster risk at 6.2 out of 10 β€” high risk. The area's position within a seismically active region makes earthquake preparedness a top priority for residents and property owners alike. Residents should also account for winter and drought risk in their preparedness planning.

Elnora'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 Daviess County, the highest-scoring are earthquake, winter, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Elnora residents benefit from taking preparedness seriously. Reviewing insurance coverage for earthquake 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 Elnora: Earthquake preparedness

  • Standard homeowners insurance excludes earthquake damage β€” a separate earthquake policy or endorsement is needed.
  • Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
  • Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.

Local Factors for Elnora

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

Population

1,037

Small Town

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: 3.2/10

Coordinates

38.8639Β° N, 87.0780Β° W

Daviess 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 Elnora

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Elnora

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.