Climate Risk Summary

Zip Code 47304, Risk Profile

The primary drivers of climate-related financial risk in Muncie, IN (47304) are Inland Flooding, Tornado, and Earthquake.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

/ It represents the "average cost" rather than a guaranteed yearly bill.
/ It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$4,507,844

Expected Annual Loss for Zip Code 47304

57.8Score

Relatively Moderate compared to US average

47304

Minimal Estimated LossMax Estimated Loss

Tornado

$1,621,477

Expected Annual Loss for Zip Code 47304

80.4Score

Relatively High compared to US average

47304

Minimal Estimated LossMax Estimated Loss

Earthquake

$335,409

Expected Annual Loss for Zip Code 47304

61.5Score

Relatively Low compared to US average

47304

Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$4,507,844

Score: 57.8

MAJOR DRIVER

Tornado

$1,621,477

Score: 80.4

MAJOR DRIVER

Earthquake

$335,409

Score: 61.5

Hail

$251,165

Score: 79.2

Cold Wave

$219,533

Score: 41.1

Strong Wind

$196,287

Score: 66.7

Lightning

$144,395

Score: 71.4

Heat Wave

$43,226

Score: 8.8

Winter Weather

$37,529

Score: 69.7

Ice Storm

$24,582

Score: 43.7

Drought

$13,284

Score: 61.1

Hurricane

$3,387

Score: 29.5

Wildfire

$1,701

Score: 50.4

Landslide

$22

Score: 42.4

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 57.8

🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 80.4

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 61.5

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

FEMA National Risk IndexHazard frequency and loss data (v1.20.0 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 47342 Zip Code 47396 Zip Code 47303 Zip Code 47306 Zip Code 47302 Zip Code 47305