Natural Disaster Risk in Marshall County

Natural Hazard Profile: Marshall County, Indiana

Marshall County is located in the United States in Indiana, home to roughly 46,062 residents. The county experiences cold winters and warm, humid summers with variable severe weather, with spring tornado risk across the state shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.

FEMA rates Marshall County's composite natural disaster risk at 5.4 out of 10 — moderate risk. High lightning activity is the primary natural hazard concern, driven by frequent severe thunderstorm development that produces dense ground strike patterns across the area. Residents should also account for cold wave and hail risk in their preparedness planning.

Marshall County'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 Marshall County, the highest-scoring are lightning, cold wave, and hail. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Marshall County's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that lightning exposure is adequately protected is a worthwhile step for property owners.