What to know about ZIP 46945
ZIP code 46945 covers IN in Fulton County.
It sits in telephone area code 574; U.S. House district IN-2; the SOUTH BEND - ELKHART media market.
, IN
ZIP Code 46945 — undefined, IN Demographics & Data
Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.
Map, Quick Facts & Location
Quick Facts
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America/Indiana/Indianapolis
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Congress
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America/Indiana/Indianapolis
Overview of ZIP Code 46945
Climate risk and migration signals
FEMA’s National Risk Index rates natural-hazard risk for IN as Very Low (composite score 20.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (32.5) and flood (20.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.
Climate normals for IN show limited published climate normals on US5.