Natural Disaster Risk — ZIP Code 46747

Natural Hazard Profile: ZIP 46747, Indiana

Located in the Great Lakes region, ZIP 46747 serves the Hudson 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 46747's overall natural disaster risk is rated 5.1/10 (Moderate) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include wind and tornado.

Relative to other U.S. communities, ZIP 46747's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 5.5/10 state average. The hazard distribution here is led by hail and wind, as measured by FEMA across Indiana. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 46747'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 hail exposure is adequately protected is a worthwhile step for property owners.