Natural Disaster Risk — ZIP Code 47408

Natural Hazard Profile: ZIP 47408, Indiana

ZIP 47408 in Bloomington 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 47408 carries an overall risk score of 6.5/10, placing it in the high category. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. The area also faces notable exposure to winter and earthquake.

Within Indiana, ZIP 47408's risk is, slightly above 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 wind as the foremost hazard, followed by winter and earthquake. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 47408's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.