🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 46034

Cicero, Indiana

7.0out of 10
High Risk

Risk Summary for ZIP 46034

ZIP 46034 scores 7.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Hail Winter Weather

All 18 Hazard Scores

Tornado
9.7
Hail
9.4
Winter Weather
9.2
Extreme Heat
8.8
Cold Wave
8.8
Earthquake
8.7
Lightning
8.6
Strong Wind
8.3
Ice Storm
7.8
Drought
5.8
Landslide
5.4
Tsunami
5.4
Volcanic Activity
5.1
Hurricane
5.0
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
3.0
Riverine Flooding
1.0

How it compares

ZIP 46034
7.0
Indiana avg.
5.5
US national avg.
4.5

Live Conditions

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🏠 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: ZIP 46034, Indiana

ZIP 46034 in Cicero sits in the interior eastern United States. Its humid continental climate produces cold winters and warm, humid summers with variable severe weather, and notably spring tornado risk across the state. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 46034 carries an overall risk score of 7.0/10, placing it in the high 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 hail and winter.

Within Indiana, ZIP 46034's risk is, slightly above the 5.5/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Indiana identifies tornado as the foremost hazard, followed by hail and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 46034's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for ZIP 46034: 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 β€” away from windows β€” as your shelter.
  • Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.

Risk for the surrounding area

Local Factors for ZIP 46034

These city-level factors differentiate ZIP 46034 from other communities in Indiana County and provide geographic context for its hazard exposure.

Population

7,531

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.1Β°

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: 3.0/10

Coordinates

40.1329Β° N, 86.0413Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 46034

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Indiana

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.