Natural Disaster Risk — ZIP Code 47348

Natural Hazard Profile: ZIP 47348, Indiana

ZIP 47348 in Hartford City 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 47348 carries an overall risk score of 4.0/10, placing it in the moderate category. Tsunami risk is the primary coastal hazard, driven by the area's proximity to seismically active offshore zones capable of generating ocean waves that inundate low-lying coastlines. The area also faces notable exposure to earthquake and tornado.

Within Indiana, ZIP 47348'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 tsunami as the foremost hazard, followed by earthquake and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 47348'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 tsunami exposure is adequately protected is a worthwhile step for property owners.