Natural Disaster Risk in Union City
Indiana
Risk Summary for Union City
Union City scores 4.3/10 (Moderate risk), near 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: Union City, Indiana
Union City, in Randolph County, is a town of roughly 4,972 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 Union City residents and property owners must navigate.
According to FEMA's National Risk Index, Union City carries an overall risk score of 4.3/10, placing it in the moderate category. Tornado activity is the top natural hazard risk, with the region lying in a corridor where warm, moist air frequently clashes with dry, cool air masses to spawn severe supercell thunderstorms. The area also faces notable exposure to earthquake and wind.
Within Indiana, Union City's risk is, slightly below the 5.5/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Randolph County identifies tornado as the foremost hazard, followed by earthquake and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Union City'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 tornado exposure is adequately protected is a worthwhile step for property owners.
What this means for Union City: Tornado preparedness
- 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.
- Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
Local Factors for Union City
These city-level factors differentiate Union City from other communities in Randolph County and provide geographic context for its hazard exposure.
Population
4,972
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.9/10
Coordinates
40.2062° N, 84.8467° W
Randolph 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 Union City
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Union City
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.