Climate Risk Summary

Zip Code 45320, Risk Profile

The primary drivers of climate-related financial risk in Eaton, OH (45320) are Inland Flooding, Tornado, and Strong Wind.

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

$3,034,323

Expected Annual Loss for Zip Code 45320

50.3Score

Relatively High compared to US average

45320
Minimal Estimated LossMax Estimated Loss

Tornado

$1,528,274

Expected Annual Loss for Zip Code 45320

84.6Score

Very High compared to US average

45320
Minimal Estimated LossMax Estimated Loss

Strong Wind

$579,474

Expected Annual Loss for Zip Code 45320

91.9Score

Relatively High compared to US average

45320
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
$3,034,323
Score: 50.3
MAJOR DRIVER
Tornado
$1,528,274
Score: 84.6
MAJOR DRIVER
Strong Wind
$579,474
Score: 91.9
Cold Wave
$360,928
Score: 58.6
Earthquake
$252,506
Score: 57.6
Hail
$106,992
Score: 69.8
Heat Wave
$74,031
Score: 22.3
Ice Storm
$66,208
Score: 75.3
Lightning
$63,433
Score: 53.6
Winter Weather
$18,265
Score: 58.4
Drought
$14,575
Score: 16.8
Hurricane
$5,289
Score: 34.5
Wildfire
$1,625
Score: 53.7
Landslide
$417
Score: 67.2

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: 50.3
🌪️High Investment

Tornado Mitigation

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

Risk Score: 84.6
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 91.9

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 45321Zip Code 45311Zip Code 45347Zip Code 45381Zip Code 45382Zip Code 45338