Natural Disaster Risk in New Point
Indiana
Risk Summary for New Point
New Point scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Lightning.
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: New Point, Indiana
Located in the interior eastern United States in Decatur County, New Point is a small unincorporated community. 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 New Point a community where hazard awareness has real practical value.
New Point's overall natural disaster risk is rated 4.7/10 (Moderate) by FEMA's National Risk Index. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. Secondary hazards include tornado and earthquake.
Relative to other U.S. communities, New Point's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.5/10 state average. The hazard distribution here is led by lightning and tornado, as measured by FEMA across Decatur County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
New Point'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.
What this means for New Point: Lightning preparedness
- Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
- Avoid plumbing and corded electronics during active thunderstorms.
- Install whole-home surge protection to shield electronics from strike-related power surges.
Local Factors for New Point
These city-level factors differentiate New Point from other communities in Decatur County and provide geographic context for its hazard exposure.
Population
123
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.3°
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
39.3086° N, 85.3283° W
Decatur 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 New Point
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in New Point
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.