Climate Risk Summary

Scottsburg, IN Risk Profile

The primary drivers of climate-related financial risk in Scottsburg, IN are Tornado, Inland Flooding, and Earthquake. This area also faces an unusually high intensity for Strong Wind compared to national averages. Based on recent federal data, homeowners in this market face an estimated average annual insurance premium of $1,506, alongside unusually high policy non-renewal rates that indicate growing underwriting pressure.

City Risk Scorecard
Physical Resilience73/100

Based on FEMA EAL and hazard intensity.

Insurance Stability
High Volatility

Non-renewal rates exceed 2σ from the national mean. Signifies active insurer retreat.

Primary Risks

Tornado

$602,378

Expected Annual Loss for Scottsburg

98.4Score

Very High compared to US average

Scottsburg
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$581,361

Expected Annual Loss for Scottsburg

61.1Score

Relatively Moderate compared to US average

Scottsburg
Minimal Estimated LossMax Estimated Loss

Earthquake

$190,813

Expected Annual Loss for Scottsburg

81.5Score

Relatively Moderate compared to US average

Scottsburg
Minimal Estimated LossMax Estimated Loss

Spatial Analysis

FEMA Flood Zones
FloodwayHighest Risk / Active Channel
High Risk (100-Year)1% Annual Chance Flood
Moderate Risk (500-Year)0.2% Annual Chance Flood
NRI Risk Index
Very Low
Low
Moderate
High
Very High
Extreme

Flood Plain Analysis

Localized Flood Dynamics in Scottsburg

FEMA Flood Maps for Scottsburg identify the "100-year" and "500-year" floodplains (1% and 0.2% annual chance), but modern climate risk analysis suggests that nearly 25% of flood insurance claims originate from properties outside of these designated high-risk zones.

Use the map above to better understand risk by looking at both the FEMA flood plain maps and FEMA Risk Inventory maps by census tract. Standard FEMA maps may not account for 'flash flooding' from intense rain events.
FEMA Designation vs. Reality
Relatively Moderate
Relative Vulnerability
$581,361
Annualized Property Exposure

Insurance Market Stability

Avg. Annual Premium

$1,506

Estimated baseline property insurance cost prior to localized disaster surcharges.

Non-Renewal Rate

3.5%
High Volatility Detected

The percentage of homeowner policies canceled by insurers, a key indicator of market retreat.

Insurer Loss Ratio

38%

For every $1 collected in premium, insurers are paying out $0.38 in claims.

Financial Risk Inventory

MAJOR DRIVER
Tornado
$602,378
Score: 98.4
MAJOR DRIVER
Inland Flooding
$581,361
Score: 61.1
MAJOR DRIVER
Earthquake
$190,813
Score: 81.5
UNUSUALLY HIGH
Strong Wind
$173,842
Score: 97.7
Cold Wave
$76,695
Score: 66.2
Heat Wave
$30,941
Score: 50.1
Lightning
$22,347
Score: 78.1
Hail
$12,080
Score: 64.0
Ice Storm
$4,439
Score: 53.7
Winter Weather
$3,569
Score: 63.0
Hurricane
$1,341
Score: 38.4
Wildfire
$450
Score: 61.0
Drought
$394
Score: 77.2
Landslide
$4
Score: 54.2

Recommended Mitigation Strategies

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

🌪️High Investment

Tornado Mitigation

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

Risk Score: 98.4
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 61.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 81.5
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 97.7
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 66.2
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 50.1
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 78.1
🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 64.0
❄️Medium Investment

Ice Storm Mitigation

Install a 10kWh backup battery system to keep pipes from freezing during grid failure.

Risk Score: 53.7
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 63.0
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 61.0
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 77.2
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 54.2

Sources and Methodology

Spatial Climate Risk Modeling

The Expected Annual Loss (EAL) and hazard risk scores are derived from the FEMA NRI zip code dataset using a population-weighted spatial join. Because Zip Codes and Census Tracts do not share perfectly aligned boundaries, we utilize US Census Block Group population centroids to identify where residents actually live.

Financial & Insurance Metrics

The pysical resilence score is calculated by synthesizing Expected Annual Loss (EAL) against the total building replacement value within a jurisdiction. This creates a "Loss Ratio" that measures physical resilience. We supplement this with ZIP-code level data from the U.S. Treasury's Federal Insurance Office (FIO), monitoring trends in premium growth, loss ratios, and policy non-renewals to identify emerging "Insurance Deserts."

Primary Data Sources

Nearby Cities

AustinCharlestownCrothersvilleHenryvilleNew Pekin

Zip Codes in Scottsburg

47170