Climate Risk Summary

Bowling Green, OH Risk Profile

The primary drivers of climate-related financial risk in Bowling Green, OH are Inland Flooding, Tornado, and Cold Wave. This area also faces an unusually high intensity for Ice Storm compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$3,919,450

Expected Annual Loss for Bowling Green

37.0Score

Relatively High compared to US average

Bowling Green
Minimal Estimated LossMax Estimated Loss

Tornado

$1,213,407

Expected Annual Loss for Bowling Green

70.8Score

Relatively High compared to US average

Bowling Green
Minimal Estimated LossMax Estimated Loss

Cold Wave

$334,002

Expected Annual Loss for Bowling Green

48.9Score

Relatively Moderate compared to US average

Bowling Green
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$3,919,450
Score: 37.0
MAJOR DRIVER
Tornado
$1,213,407
Score: 70.8
MAJOR DRIVER
Cold Wave
$334,002
Score: 48.9
Earthquake
$247,355
Score: 51.8
Hail
$191,144
Score: 72.7
Strong Wind
$175,628
Score: 59.6
UNUSUALLY HIGH
Ice Storm
$144,800
Score: 82.1
Heat Wave
$109,821
Score: 23.7
Lightning
$68,067
Score: 45.3
Winter Weather
$43,607
Score: 70.0
Hurricane
$8,500
Score: 35.4
Wildfire
$613
Score: 34.8
Landslide
$7
Score: 32.2

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: 70.8
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 51.8
🧊Medium Investment

Hail Mitigation

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

Risk Score: 72.7
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 59.6
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 82.1
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 70.0

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

MaumeeNorth BaltimorePerrysburgRossfordToledo

Zip Codes in Bowling Green

4340243403