Climate Risk Summary

Zip Code 43026, Risk Profile

The primary drivers of climate-related financial risk in Hilliard, OH (43026) are Inland Flooding, Cold Wave, and Tornado.

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

$8,446,890

Expected Annual Loss for Zip Code 43026

46.4Score

Relatively High compared to US average

43026
Minimal Estimated LossMax Estimated Loss

Cold Wave

$1,984,841

Expected Annual Loss for Zip Code 43026

73.5Score

Relatively High compared to US average

43026
Minimal Estimated LossMax Estimated Loss

Tornado

$1,430,523

Expected Annual Loss for Zip Code 43026

58.6Score

Relatively High compared to US average

43026
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
$8,446,890
Score: 46.4
MAJOR DRIVER
Cold Wave
$1,984,841
Score: 73.5
MAJOR DRIVER
Tornado
$1,430,523
Score: 58.6
Heat Wave
$1,170,611
Score: 71.5
Earthquake
$413,437
Score: 47.1
Hail
$393,746
Score: 72.6
Strong Wind
$161,703
Score: 39.3
Lightning
$87,846
Score: 33.0
Winter Weather
$40,706
Score: 52.0
Ice Storm
$32,069
Score: 29.3
Hurricane
$3,767
Score: 25.0
Wildfire
$642
Score: 29.8
Drought
$340
Score: 5.8
Landslide
$52
Score: 45.6

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: 46.4
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 73.5
🌪️High Investment

Tornado Mitigation

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

Risk Score: 58.6

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 43228Zip Code 43002Zip Code 43016Zip Code 43119Zip Code 43064Zip Code 43221