🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 47666

Patoka, Indiana

5.9out of 10
Moderate Risk

Risk Summary for ZIP 47666

ZIP 47666 scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Drought.

Top Hazards

Drought Earthquake Strong Wind

All 18 Hazard Scores

Drought
9.6
Earthquake
9.0
Strong Wind
8.0
Landslide
7.8
Extreme Heat
7.3
Winter Weather
6.5
Hail
6.4
Ice Storm
5.7
Tsunami
5.4
Hurricane
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Tornado
4.6
Avalanche
4.5
Lightning
4.3
Cold Wave
3.4
Wildfire
1.8
Riverine Flooding
1.0

How it compares

ZIP 47666
5.9
Indiana avg.
5.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 47666, Indiana

ZIP 47666 in Patoka 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 47666 carries an overall risk score of 5.9/10, placing it in the moderate category. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. The area also faces notable exposure to earthquake and wind.

Within Indiana, ZIP 47666'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 drought as the foremost hazard, followed by earthquake and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 47666 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for drought is recommended.

What this means for ZIP 47666: Drought preparedness

  • Follow local water-use restrictions, which may be enacted during severe drought conditions.
  • Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
  • Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.

Risk for the surrounding area

Local Factors for ZIP 47666

These city-level factors differentiate ZIP 47666 from other communities in Indiana County and provide geographic context for its hazard exposure.

Population

1,335

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 1.8/10

Coordinates

38.4192Β° N, 87.6004Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 47666

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Indiana

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.