Climate Risk Summary

Zip Code 44839, Risk Profile

The primary drivers of climate-related financial risk in Huron, OH (44839) are Inland Flooding, Tornado, and Hail. This area also faces an unusually high intensity for Strong Wind, Ice Storm, and Winter Weather compared to national averages.

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

$2,411,089

Expected Annual Loss for Zip Code 44839

74.4Score

Relatively High compared to US average

44839
Minimal Estimated LossMax Estimated Loss

Tornado

$550,297

Expected Annual Loss for Zip Code 44839

78.4Score

Relatively High compared to US average

44839
Minimal Estimated LossMax Estimated Loss

Hail

$145,085

Expected Annual Loss for Zip Code 44839

85.3Score

Relatively Moderate compared to US average

44839
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
$2,411,089
Score: 74.4
MAJOR DRIVER
Tornado
$550,297
Score: 78.4
MAJOR DRIVER
Hail
$145,085
Score: 85.3
UNUSUALLY HIGH
Strong Wind
$143,177
Score: 82.4
Cold Wave
$137,209
Score: 53.3
Earthquake
$74,333
Score: 51.2
UNUSUALLY HIGH
Ice Storm
$56,791
Score: 86.2
UNUSUALLY HIGH
Winter Weather
$37,296
Score: 89.2
Heat Wave
$33,260
Score: 19.8
Lightning
$30,233
Score: 53.1
Hurricane
$10,735
Score: 46.2
Coastal Flooding
$3,197
Score: 79.1
Wildfire
$1,729
Score: 59.7
Landslide
$97
Score: 67.5

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: 74.4
🌪️High Investment

Tornado Mitigation

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

Risk Score: 78.4
🧊Medium Investment

Hail Mitigation

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

Risk Score: 85.3
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 82.4
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 86.2
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.2

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 44846Zip Code 44814Zip Code 44870Zip Code 44857Zip Code 44826Zip Code 44089