Natural Disaster Risk — ZIP Code 46961

Natural Hazard Profile: ZIP 46961, Indiana

ZIP 46961 in New Waverly 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 46961 carries an overall risk score of 5.9/10, placing it in the moderate 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 hail and cold wave.

Within Indiana, ZIP 46961's risk is, slightly above 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 wind as the foremost hazard, followed by hail and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 46961'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 wind exposure is adequately protected is a worthwhile step for property owners.