Climate Risk Summary

Cincinnati, OH Risk Profile

The primary drivers of climate-related financial risk in Cincinnati, OH are Inland Flooding, Tornado, and Heat Wave.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Cincinnati.

Primary Risks

Inland Flooding

$36,861,249

Expected Annual Loss for Cincinnati

28.4Score

Relatively High compared to US average

Cincinnati
Minimal Estimated LossMax Estimated Loss

Tornado

$19,091,905

Expected Annual Loss for Cincinnati

75.6Score

Very High compared to US average

Cincinnati
Minimal Estimated LossMax Estimated Loss

Heat Wave

$9,308,703

Expected Annual Loss for Cincinnati

78.3Score

Relatively High compared to US average

Cincinnati
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$36,861,249
Score: 28.4
MAJOR DRIVER
Tornado
$19,091,905
Score: 75.6
MAJOR DRIVER
Heat Wave
$9,308,703
Score: 78.3
Cold Wave
$6,157,888
Score: 58.3
Earthquake
$2,897,476
Score: 47.1
Strong Wind
$1,520,106
Score: 49.8
Lightning
$872,767
Score: 46.5
Hail
$798,173
Score: 52.0
Ice Storm
$227,053
Score: 31.6
Winter Weather
$201,976
Score: 48.2
Landslide
$22,307
Score: 68.9
Hurricane
$9,160
Score: 19.5
Wildfire
$7,694
Score: 34.9
Drought
$327
Score: 1.1

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: 75.6
☀️Low Investment

Heat Wave Mitigation

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

Risk Score: 78.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 58.3
🧊Medium Investment

Hail Mitigation

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

Risk Score: 52.0
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 68.9

Sources and Methodology

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

Nearby Cities

BellevueCovingtonDaytonLudlowNewport

Zip Codes in Cincinnati

4520245203452044520545206452074520845209452114521245213452144521545216452174521945220452234522445225452264522745229452304523145232452334523745238452394524345248