Climate Risk Summary

Painesville, OH Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$2,274,933

Expected Annual Loss for Painesville

36.8Score

Relatively Low compared to US average

Painesville
Minimal Estimated LossMax Estimated Loss

Tornado

$234,813

Expected Annual Loss for Painesville

44.8Score

Relatively Moderate compared to US average

Painesville
Minimal Estimated LossMax Estimated Loss

Cold Wave

$121,842

Expected Annual Loss for Painesville

35.2Score

Relatively Low compared to US average

Painesville
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$2,274,933
Score: 36.8
MAJOR DRIVER
Tornado
$234,813
Score: 44.8
MAJOR DRIVER
Cold Wave
$121,842
Score: 35.2
Strong Wind
$117,399
Score: 59.1
Heat Wave
$77,411
Score: 23.5
Earthquake
$57,038
Score: 30.6
Hail
$50,353
Score: 56.4
Winter Weather
$46,113
Score: 79.1
Lightning
$34,462
Score: 36.3
Ice Storm
$31,259
Score: 56.7
Hurricane
$3,352
Score: 31.6
Wildfire
$465
Score: 36.3
Coastal Flooding
$50
Score: 15.6
Landslide
$1
Score: 20.9

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

💨Low Investment

Strong Wind Mitigation

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

Risk Score: 59.1
🧊Medium Investment

Hail Mitigation

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

Risk Score: 56.4
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 79.1
❄️Medium Investment

Ice Storm Mitigation

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

Risk Score: 56.7

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

Nearby Cities

ChardonFairport HarborKirtlandKirtland HillsMentor

Zip Codes in Painesville

4404544077