Natural Disaster Risk — ZIP Code 46745

Natural Hazard Profile: ZIP 46745, Indiana

ZIP 46745 in Hoagland 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 46745 carries an overall risk score of 7.2/10, placing it in the high category. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. The area also faces notable exposure to tornado and winter.

Within Indiana, ZIP 46745's risk is, considerably 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 wind as the foremost hazard, followed by tornado and winter. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, ZIP 46745 residents benefit from taking preparedness seriously. Reviewing insurance coverage for wind and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.