Climate Risk Summary

Zip Code 44012, Risk Profile

The primary drivers of climate-related financial risk in Avon Lake, OH (44012) are Inland Flooding, Tornado, and Cold Wave.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$3,214,008

Expected Annual Loss for Zip Code 44012

37.8Score

Relatively Moderate compared to US average

44012
Minimal Estimated LossMax Estimated Loss

Tornado

$699,799

Expected Annual Loss for Zip Code 44012

59.1Score

Relatively Moderate compared to US average

44012
Minimal Estimated LossMax Estimated Loss

Cold Wave

$441,028

Expected Annual Loss for Zip Code 44012

55.5Score

Relatively Moderate compared to US average

44012
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$3,214,008
Score: 37.8
MAJOR DRIVER
Tornado
$699,799
Score: 59.1
MAJOR DRIVER
Cold Wave
$441,028
Score: 55.5
Strong Wind
$217,292
Score: 66.7
Hail
$179,709
Score: 72.5
Ice Storm
$110,135
Score: 77.8
Earthquake
$68,968
Score: 27.4
Heat Wave
$61,578
Score: 12.1
Lightning
$50,333
Score: 37.2
Winter Weather
$38,782
Score: 67.8
Hurricane
$5,688
Score: 32.8
Wildfire
$1,977
Score: 51.7
Coastal Flooding
$1,758
Score: 74.5
Landslide
$8
Score: 39.0

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 37.8
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 59.1
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 55.5

Methodology and Sources

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 44011Zip Code 44140Zip Code 44054Zip Code 44145Zip Code 44039Zip Code 44035