🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 47174

Sulphur, Indiana

4.7out of 10
Moderate Risk

Risk Summary for ZIP 47174

ZIP 47174 scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Landslide Earthquake

All 18 Hazard Scores

Tornado
6.5
Landslide
6.0
Earthquake
5.9
Strong Wind
5.7
Winter Weather
5.5
Tsunami
5.4
Ice Storm
5.2
Extreme Heat
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Hurricane
4.2
Hail
3.9
Drought
3.6
Cold Wave
3.4
Lightning
3.3
Wildfire
2.0
Riverine Flooding
1.0

How it compares

ZIP 47174
4.7
Indiana avg.
5.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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 47174, Indiana

ZIP 47174 in Sulphur 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 47174 carries an overall risk score of 4.7/10, placing it in the moderate category. Tornado activity is the top natural hazard risk, with the region lying in a corridor where warm, moist air frequently clashes with dry, cool air masses to spawn severe supercell thunderstorms. The area also faces notable exposure to landslide and earthquake.

Within Indiana, ZIP 47174's risk is, slightly below the 5.5/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Indiana identifies tornado as the foremost hazard, followed by landslide and earthquake. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 47174 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for tornado is recommended.

What this means for ZIP 47174: Tornado preparedness

  • Review whether your insurance covers wind and debris damage, and document belongings in advance.
  • 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.

Risk for the surrounding area

Local Factors for ZIP 47174

These city-level factors differentiate ZIP 47174 from other communities in Indiana County and provide geographic context for its hazard exposure.

Population

69

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.2Β°

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: 2.0/10

Coordinates

38.2272Β° N, 86.4820Β° 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 47174

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.