Natural Disaster Risk in Harmony
Indiana
Risk Summary for Harmony
Harmony scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
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: Harmony, Indiana
Harmony is a small unincorporated community in Clay 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 Harmony.
FEMA rates Harmony's composite natural disaster risk at 5.4 out of 10 — moderate 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 wind and winter risk in their preparedness planning.
Harmony'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 Clay County, the highest-scoring are earthquake, wind, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Harmony 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 earthquake is recommended.
What this means for Harmony: Earthquake preparedness
- Standard homeowners insurance excludes earthquake damage — 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 Harmony
These city-level factors differentiate Harmony from other communities in Clay County and provide geographic context for its hazard exposure.
Population
106
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.8/10
Coordinates
39.5376° N, 87.0728° W
Clay 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 Harmony
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Harmony
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.