🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 46938

Jonesboro, Indiana

6.1out of 10
High Risk

Risk Summary for ZIP 46938

ZIP 46938 scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Hail Earthquake

All 18 Hazard Scores

Tornado
9.0
Hail
8.6
Earthquake
8.1
Extreme Heat
8.0
Winter Weather
7.1
Strong Wind
7.0
Drought
6.7
Cold Wave
6.1
Hurricane
5.5
Lightning
5.5
Tsunami
5.4
Ice Storm
5.3
Volcanic Activity
5.1
Landslide
4.9
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
2.6
Riverine Flooding
1.0

How it compares

ZIP 46938
6.1
Indiana avg.
5.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 46938, Indiana

ZIP 46938 covers part of the Jonesboro 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 46938's composite natural disaster risk at 6.1 out of 10 β€” high risk. The area faces significant tornado risk, positioned where atmospheric conditions regularly generate severe rotating thunderstorms capable of producing violent tornadoes. Residents should also account for hail and earthquake risk in their preparedness planning.

ZIP 46938's risk score, slightly above the 5.5/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are tornado, hail, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, ZIP 46938 residents benefit from taking preparedness seriously. Reviewing insurance coverage for tornado 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.

What this means for ZIP 46938: Tornado preparedness

  • Identify the safest interior room on the lowest floor β€” away from windows β€” as your shelter.
  • Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
  • Review whether your insurance covers wind and debris damage, and document belongings in advance.

Risk for the surrounding area

Local Factors for ZIP 46938

These city-level factors differentiate ZIP 46938 from other communities in Indiana County and provide geographic context for its hazard exposure.

Population

2,494

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 2.6/10

Coordinates

40.4482Β° N, 85.6489Β° 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 46938

Last 12 months Β· Source: Open-Meteo archive

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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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.