Hunt & Live

Spencer County, IN

19,967 residents · 397 sq mi · 50.3/sq mi · 100% rural

Climate
56.4°F
49.4" rain/yr
Water
humid
Aridity index 1.82
Hardiness
Zone 8a
Winter low ~14.6°F

About Spencer County

Spencer County is a county located in the U.S. state of Indiana. As of the 2020 census, the population was 19,810. The county seat is Rockport. Despite not being in the Owensboro Metropolitan Area, the entire riverfront of the city of Owensboro, Kentucky borders the southern tip of the county.

55
Prepper Suitability
worsebetter
National rank: #1218 of 3,109
Locator map
Location within the continental US

Prepper Assessment

This area features a rural landscape with a population density of 50.3 people per square mile, allowing for ample space and privacy. The climate is characterized by an annual mean temperature of 56.4°F and 49.4 inches of precipitation per year, supporting a growing season suitable for various crops, particularly in USDA zone 8a. However, the humid conditions may require careful water management due to the aridity index of 1.82, which could impact self-sufficient living.

Natural hazards in the county include a notable earthquake risk, ranked at 84, alongside ice storms (72) and strong winds (69). While the area has a moderate violence percentile of 35, indicating a lower risk compared to other regions, the overall disaster percentile of 39 suggests some vulnerabilities. The median home price of $168,200 is relatively affordable, but the 47% broadband subscription rate may hinder those reliant on high-speed internet for remote work or online resources.

This county is well-suited for individuals or families seeking a rural lifestyle with space for agricultural pursuits. Those who thrive here are likely to appreciate the lower cost of living and the ability to engage in self-sufficient practices. However, individuals with a strong reliance on technology or those unprepared for potential natural hazards may find this area challenging. The hidden gem is the affordability of housing, which can be a significant advantage for new homesteaders.

AI-generated analysis based on county data (climate, hazards, density, housing, economy). For general orientation only.

Key Facts

Ranked #1,084 nationally
Out of 3,109 CONUS counties for composite prepper suitability.
#28 of 92 in IN
Ranked #28 of 92 counties statewide for prepper suitability.
Dominant hazard: earthquake
FEMA ranks earthquake risk at 84/100 here — the leading natural threat.
Rural-suburban mix
50.3 people per square mile.
Climate profile
Classified as humid with a 56.4°F annual mean and 49.4" of annual precipitation. USDA hardiness zone 8a.
Housing & taxes
Median home value $168,200.

Score Breakdown

Violence
44
percentile (lower = safer)
Disasters
39
percentile (lower = safer)
Density
54
percentile (lower = emptier)
Overall FEMA Risk
39.4
NRI composite (0-100)

Natural Hazard Profile (FEMA NRI)

Cold Wave 18
Drought 61
Earthquake 84
Hail 58
Hurricane 25
Heat Wave 55
Riverine Flood 46
Ice Storm 72
Landslide 25
Lightning 22
Strong Wind 69
Tornado 56
Wildfire 29
Winter Weather 38

Monthly Climate (1991–2020 normals)

Average temperature
JFMAMJ JASOND
Monthly precipitation (inches)
JFMAMJ JASOND
Summer high
87.6°F
Winter low
24.6°F
Heating degree days
4,436
Cooling degree days
1,329

Housing & Economy

Median home value
$168,200
Median HH income
$66,168
Price to income
2.5×
Property tax rate
0.65%
~$1,089/yr median

Community Profile

Median age
44.3
Homeownership
80.1%
Poverty rate
7.2%
Unemployment
3.3%

Connectivity

Broadband households
46.8%
No internet access
18.4%

Explore Spencer County Further

Similar Counties

Data sources. Prepper scores are national percentile ranks of firearm fatalities (County Health Rankings 2024 / CDC WONDER), FEMA National Risk Index 2023 composite disaster score, and population density (ACS 2022 + TIGER 2022 land area). Climate from NOAA nClimDiv 1991–2020 normals. Hardiness zone is estimated from climate data and may differ from the official USDA PHZM. Demographics and housing from Census ACS 5-year 2022. All scores are for comparison purposes only and do not constitute advice about where to live.