Natural Disaster Risk — ZIP Code 46742

Natural Hazard Profile: ZIP 46742, Indiana

ZIP 46742 in Hamilton sits in the Great Lakes region. 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 46742 carries an overall risk score of 5.1/10, placing it in the moderate category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to wind and tornado.

Within Indiana, ZIP 46742's risk is, slightly below the 5.5/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Indiana identifies hail as the foremost hazard, followed by wind and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 46742 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hail is recommended.