Natural Disaster Risk — ZIP Code 47384

Natural Hazard Profile: ZIP 47384, Indiana

ZIP 47384 in Shirley 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 47384 carries an overall risk score of 5.2/10, 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 earthquake and hail.

Within Indiana, ZIP 47384's risk is, near 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 tornado as the foremost hazard, followed by earthquake and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 47384'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 tornado exposure is adequately protected is a worthwhile step for property owners.