Natural Disaster Risk — ZIP Code 46920
Cutler, Indiana
Risk Summary for ZIP 46920
ZIP 46920 scores 4.7/10 (Moderate risk), near 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
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 46920, Indiana
ZIP 46920 covers part of the Cutler area, in the interior eastern United States. The surrounding region experiences cold winters and warm, humid summers with variable severe weather, with spring tornado risk across the state shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 46920's composite natural disaster risk at 4.7 out of 10 — moderate risk. The area faces significant drought exposure, where below-average precipitation over extended periods strains water resources and drives secondary hazards like wildfire and crop failure. Residents should also account for cold wave and hail risk in their preparedness planning.
ZIP 46920's risk score, slightly below the 5.5/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are drought, cold wave, and hail. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, ZIP 46920 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 drought is recommended.
What this means for ZIP 46920: Drought preparedness
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
- 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.
Risk for the surrounding area
Local Factors for ZIP 46920
These city-level factors differentiate ZIP 46920 from other communities in Indiana County and provide geographic context for its hazard exposure.
Population
1,401
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.9/10
Coordinates
40.4646° N, 86.4950° 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 46920
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.