Clark County Disaster Risk
Clark County, Indiana
FEMA Risk Rating
Relatively Moderate
National Percentile
81th
of 3,144 counties
State Rank
#11
of 92 (1 = highest risk)
Flood Risk
81th
percentile
Hazard Risk Breakdown
Flood
River, coastal, and surface flooding risk
Moderate
Higher than 81% of US counties
Wildfire
Wildland and wildland-urban interface fire risk
Very Low
Higher than 21% of US counties
Tornado
Tornado and severe thunderstorm risk
Relatively High
Higher than 95% of US counties
Earthquake
Seismic activity and ground shaking risk
Moderate
Higher than 84% of US counties
Hurricane
Tropical cyclone and hurricane risk
Very Low
Higher than 15% of US counties
Risk Overview
About Natural Disaster Risk in Clark County, Indiana
Clark County ranks among highest-risk areas
Clark County's composite risk score of 81.36 places it well above the national average, signaling significant and diverse natural hazard exposure. This is one of Indiana's most hazard-prone counties, requiring serious disaster preparedness and comprehensive insurance.
Highest-risk county in Indiana
Clark County's score of 81.36 towers 79% above Indiana's state average of 45.52, making it by far the highest-risk county in the state. No other Indiana county comes close to this level of composite disaster exposure.
Far riskier than surrounding counties
Clark County (81.36) faces dramatically higher risk than all adjacent counties, including Dearborn County (45.23) and Crawford County (25.80). The concentration of multiple hazard types in Clark County is exceptional within Indiana.
Tornadoes, earthquakes, and floods threaten
Clark County residents face extreme tornado risk (95.17—the highest in Indiana), combined with severe earthquake (84.26) and flood (81.17) risks. This convergence of three major hazards makes Clark County the state's most disaster-prone area.
Multi-hazard insurance coverage critical
Clark County residents must secure tornado coverage, earthquake insurance, and flood insurance—standard homeowners policies cover only some of these perils. Given the county's extreme 95.17 tornado risk and 84.26 earthquake risk, comprehensive coverage isn't optional; it's essential protection for your family and assets.
Source: FEMA National Risk Index · Narrative reviewed by Evan Brooks, Data Editor
Preparedness Guide
What to Prepare for in Clark County
Top Hazards by Exposure
Source: FEMA National Risk Index v1.19.0 · Percentiles are national (3,144 counties)
Risk Advisory: Clark County
Risk Verdict
With a composite score at the 81th percentile, Clark County sits above the national median for natural hazard exposure. Proactive preparedness — not reactive response — is key to managing life in one of the country's higher-risk counties; Clark County residents should plan accordingly.
Hazard Breakdown
Tornado risk is Clark County's dominant natural hazard, ranked at the 95th percentile nationally under FEMA's National Risk Index. Earthquake ranks second at the 84th percentile nationally. Additional tracked hazards include flood (81th percentile), wildfire (21th percentile), hurricane (15th percentile).
Preparedness Context
At the 95th percentile nationally for tornado risk, Clark County households benefit most from a reliable alert system — a NOAA weather radio that activates during overnight hours when residents may not be checking smartphone alerts. Alongside tornado exposure, earthquake at the 84th percentile nationally means Clark County households face multi-hazard severe-weather seasons that benefit from a single integrated emergency plan covering both threats. For Clark County households, a pre-decided family shelter plan — who goes where, how children are retrieved from school during a warning, and a neighborhood meet-up point if phones fail — provides real protection that no supply kit alone can replicate.
Regional Context
At 35.8 points above the Indiana state average, Clark County carries meaningfully higher natural disaster exposure than a typical Indiana county.
Is your household prepared for Clark County's hazards?
Review FEMA's county-specific preparedness checklists and emergency planning guides.
Frequently Asked Questions
What is the natural disaster risk in Clark County, IN?
What types of natural hazards affect Clark County?
How does Clark County risk compare to the Indiana average?
Is Clark County at risk for tornado?
How is natural disaster risk measured?
Why is Clark County higher risk than average?
Data Source
Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.
Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.