Climate Risk Summary

Mentor-on-the-Lake, OH Risk Profile

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

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Mentor-on-the-Lake.

Primary Risks

Inland Flooding

$650,634

Expected Annual Loss for Mentor-on-the-Lake

16.6Score

Relatively Low compared to US average

Mentor-on-the-Lake
Minimal Estimated LossMax Estimated Loss

Tornado

$80,276

Expected Annual Loss for Mentor-on-the-Lake

39.1Score

Relatively Low compared to US average

Mentor-on-the-Lake
Minimal Estimated LossMax Estimated Loss

Cold Wave

$42,396

Expected Annual Loss for Mentor-on-the-Lake

29.9Score

Relatively Low compared to US average

Mentor-on-the-Lake
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$650,634
Score: 16.6
MAJOR DRIVER
Tornado
$80,276
Score: 39.1
MAJOR DRIVER
Cold Wave
$42,396
Score: 29.9
Strong Wind
$39,927
Score: 50.4
Heat Wave
$27,329
Score: 16.0
Hail
$16,820
Score: 50.3
Winter Weather
$15,452
Score: 72.6
Earthquake
$12,835
Score: 19.3
Lightning
$12,320
Score: 29.3
Ice Storm
$9,025
Score: 43.7
Hurricane
$1,119
Score: 29.2
Wildfire
$152
Score: 35.0
Coastal Flooding
$147
Score: 72.1
Landslide
$0
Score: 15.6

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: 50.4
🧊Medium Investment

Hail Mitigation

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

Risk Score: 50.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.6
🏠Low Investment

Coastal Flooding Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.1

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

EastlakeKirtlandKirtland HillsMentorPainesville

Zip Codes in Mentor-on-the-Lake

44060
Climate Risk Analysis for Mentor-on-the-Lake, OH