Natural Disaster Risk — ZIP Code 47225

Natural Hazard Profile: ZIP 47225, Indiana

ZIP 47225 in Clarksburg 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 47225 carries an overall risk score of 4.7/10, placing it in the moderate category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to tornado and earthquake.

Within Indiana, ZIP 47225'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 lightning as the foremost hazard, followed by tornado and earthquake. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 47225'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 lightning exposure is adequately protected is a worthwhile step for property owners.