Natural Disaster Risk — ZIP Code 47227

Natural Hazard Profile: ZIP 47227, Indiana

Located in the interior eastern United States, ZIP 47227 serves the Commiskey community. The humid continental climate of this part of Indiana — bringing cold winters and warm, humid summers with variable severe weather — directly shapes the hazard exposure for properties in this postal area.

ZIP 47227's overall natural disaster risk is rated 5.1/10 (Moderate) by FEMA's National Risk Index. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. Secondary hazards include tornado and earthquake.

Relative to other U.S. communities, ZIP 47227's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 5.5/10 state average. The hazard distribution here is led by landslide and tornado, as measured by FEMA across Indiana. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 47227'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 landslide exposure is adequately protected is a worthwhile step for property owners.