Natural Disaster Risk in French Lick
Indiana
Risk Summary for French Lick
French Lick scores 5.3/10 (Moderate 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
🏠 What this means for insurance
Average risk — 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: French Lick, Indiana
Located in the interior eastern United States in Orange County, French Lick is a town of roughly 4,809 residents. The humid continental climate that characterizes this part of Indiana — marked by cold winters and warm, humid summers with variable severe weather — directly influences the types and severity of natural hazards present, making French Lick a community where hazard awareness has real practical value.
French Lick's overall natural disaster risk is rated 5.3/10 (Moderate) by FEMA's National Risk Index. Tornadoes represent the primary threat to life and property here, with the local geography placing the community squarely in a high-frequency severe weather corridor. Secondary hazards include earthquake and wind.
Relative to other U.S. communities, French Lick's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.5/10 state average. The hazard distribution here is led by tornado and earthquake, as measured by FEMA across Orange County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, French Lick residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for tornado is recommended.
What this means for French Lick: Tornado preparedness
- Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
- Review whether your insurance covers wind and debris damage, and document belongings in advance.
- Identify the safest interior room on the lowest floor — away from windows — as your shelter.
Local Factors for French Lick
These city-level factors differentiate French Lick from other communities in Orange County and provide geographic context for its hazard exposure.
Population
4,809
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.4/10
Coordinates
38.4927° N, 86.6394° W
Orange 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 French Lick
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in French Lick
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.