Natural Disaster Risk in Monrovia
Indiana
Risk Summary for Monrovia
Monrovia scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Landslide.
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: Monrovia, Indiana
Monrovia, in Morgan County, is a town of roughly 4,558 residents 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 Monrovia residents and property owners must navigate.
Monrovia's overall natural disaster risk is rated 6.3/10 (High) by FEMA's National Risk Index. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Secondary hazards include wind and winter.
Within Indiana, Monrovia'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 Morgan County identifies landslide as the foremost hazard, followed by wind and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Monrovia residents benefit from taking preparedness seriously. Reviewing insurance coverage for landslide 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 Monrovia: Landslide preparedness
- Have an evacuation plan ready during periods of intense or prolonged rainfall.
- Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
- Standard insurance generally excludes landslide and earth-movement damage β ask about specialized coverage.
Local Factors for Monrovia
These city-level factors differentiate Monrovia from other communities in Morgan County and provide geographic context for its hazard exposure.
Population
4,558
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.6Β°
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: 3.3/10
Coordinates
39.5562Β° N, 86.5274Β° W
Morgan 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 Monrovia
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Monrovia
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.