Climate Risk Summary

Zip Code 44685, Risk Profile

The primary drivers of climate-related financial risk in Green, OH (44685) are Inland Flooding, Hail, 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

$2,686,745

Expected Annual Loss for Zip Code 44685

27.6Score

Relatively Low compared to US average

44685

Minimal Estimated LossMax Estimated Loss

Hail

$581,940

Expected Annual Loss for Zip Code 44685

87.1Score

Relatively High compared to US average

44685

Minimal Estimated LossMax Estimated Loss

Tornado

$456,734

Expected Annual Loss for Zip Code 44685

49.7Score

Relatively Moderate compared to US average

44685

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

$2,686,745

Score: 27.6

MAJOR DRIVER

Hail

$581,940

Score: 87.1

MAJOR DRIVER

Tornado

$456,734

Score: 49.7

Cold Wave

$283,745

Score: 42.1

Strong Wind

$171,639

Score: 57.8

Heat Wave

$163,649

Score: 32.3

Lightning

$116,188

Score: 59.9

Earthquake

$95,562

Score: 31.4

Ice Storm

$71,451

Score: 68.4

Winter Weather

$34,302

Score: 63.5

Hurricane

$10,019

Score: 36.8

Wildfire

$4,746

Score: 60.9

Landslide

$31

Score: 50.0

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: 27.6

🧊Medium Investment

Hail Mitigation

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

Risk Score: 87.1

🌪️High Investment

Tornado Mitigation

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

Risk Score: 49.7

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 - Dec 2025)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 44720 Zip Code 44312 Zip Code 44630 Zip Code 44260 Zip Code 44232 Zip Code 44250