Climate Risk Summary

Oxford, OH Risk Profile

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

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Oxford.

Primary Risks

Inland Flooding

$1,359,631

Expected Annual Loss for Oxford

22.2Score

Relatively Low compared to US average

Oxford
Minimal Estimated LossMax Estimated Loss

Tornado

$1,357,367

Expected Annual Loss for Oxford

80.9Score

Very High compared to US average

Oxford
Minimal Estimated LossMax Estimated Loss

Cold Wave

$740,320

Expected Annual Loss for Oxford

76.7Score

Relatively High compared to US average

Oxford
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,359,631
Score: 22.2
MAJOR DRIVER
Tornado
$1,357,367
Score: 80.9
MAJOR DRIVER
Cold Wave
$740,320
Score: 76.7
Earthquake
$159,083
Score: 47.0
Strong Wind
$161,040
Score: 65.9
Heat Wave
$86,287
Score: 26.2
Lightning
$84,279
Score: 62.8
Ice Storm
$50,864
Score: 67.8
Hail
$43,192
Score: 50.7
Winter Weather
$20,176
Score: 60.6
Drought
$1,686
Score: 24.6
Hurricane
$486
Score: 19.5
Wildfire
$284
Score: 28.8
Landslide
$40
Score: 45.6

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

🌪️High Investment

Tornado Mitigation

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

Risk Score: 80.9
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.7
💨Low Investment

Strong Wind Mitigation

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

Risk Score: 65.9
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 62.8
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 67.8
🧊Medium Investment

Hail Mitigation

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

Risk Score: 50.7
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 60.6

Sources and Methodology

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 Cities

DunlapFairfieldHamiltonHarrisonLake Lakengren

Zip Codes in Oxford

45056