Natural Disaster Risk — ZIP Code 46045
Goldsmith, Indiana
Risk Summary for ZIP 46045
ZIP 46045 scores 3.9/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 46045, Indiana
Located in the interior eastern United States, ZIP 46045 serves the Goldsmith community. The humid continental climate of this part of Indiana — bringing cold winters and warm, humid summers with variable severe weather — directly shapes the hazard exposure for properties in this postal area.
ZIP 46045's overall natural disaster risk is rated 3.9/10 (Low) by FEMA's National Risk Index. Prolonged drought is the primary hazard risk, shaped by low annual rainfall, high evaporation rates, and increasing temperature trends that deepen and lengthen dry periods. Secondary hazards include tsunami and earthquake.
Relative to other U.S. communities, ZIP 46045's natural disaster risk is below the U.S. national average of 4.5/10, considerably below the 5.5/10 state average. The hazard distribution here is led by drought and tsunami, as measured by FEMA across Indiana. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Despite its lower-than-average risk classification, ZIP 46045 is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers drought — remains prudent for all residents.
What this means for ZIP 46045: Drought preparedness
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
Risk for the surrounding area
Local Factors for ZIP 46045
These city-level factors differentiate ZIP 46045 from other communities in Indiana County and provide geographic context for its hazard exposure.
Population
162
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.4/10
Coordinates
40.2898° N, 86.1483° 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 46045
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.