Ohio County Flooding & Climate Risk Profile
The primary drivers of climate-related financial risk in Ohio, KY are Inland Flooding, Earthquake, and Tornado.
Based on FEMA EAL and hazard intensity.
Primary Regional Threats
Inland Flooding
County-wide Expected Annual Loss
Earthquake
County-wide Expected Annual Loss
Tornado
County-wide Expected Annual Loss
Geospatial Analysis
Use the interactive map below to visualize the climate risks in Ohio County. By toggling the hazard layers, you can overlay FEMA-defined flood zones and Natural Risks Index for 18 hazards. This spatial view allows you to identify which areas fall within the 100 and 500-year floodplains and assess how Inland Flooding risks vary across the county.
Pro Tip
Hover over specific census tracts to see how structural risk scores fluctuate accross the county.
City Reports
Active ZIP Code Analysis
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
- FEMA National Flood Hazard LayerHigh-resolution vector data for 100-year and 500-year flood zones.
- U.S. Department of the TreasuryFIO ZIP-code level insurance data (2018–2022 Historical Set).
- FEMA National Risk IndexBaseline hazard frequency and economic loss data (v1.20.0).
- U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population Statistics.