🌍 ClimateRiskCheck

Natural Disaster Risk in Ohiowa

Nebraska

4.7out of 10
Moderate Risk

Risk Summary for Ohiowa

Ohiowa scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Drought Strong Wind

All 18 Hazard Scores

Hail
9.5
Drought
8.9
Strong Wind
7.5
Ice Storm
6.5
Tsunami
5.4
Winter Weather
5.2
Volcanic Activity
5.1
Tornado
4.9
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
3.9
Lightning
3.1
Hurricane
2.4
Extreme Heat
2.3
Earthquake
2.1
Cold Wave
2.1
Landslide
1.4
Riverine Flooding
1.0

How it compares

Ohiowa
4.7
Nebraska avg.
4.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Ohiowa, Nebraska

Ohiowa is a small unincorporated community in Fillmore County, in the interior eastern United States. The area experiences hot summers, cold winters, and open-terrain wind exposure, with one of the most tornado-active spring seasons in the central US shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Ohiowa.

FEMA rates Ohiowa's composite natural disaster risk at 4.7 out of 10 β€” moderate risk. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Residents should also account for drought and wind risk in their preparedness planning.

Ohiowa's risk score, near the 4.8/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Fillmore County, the highest-scoring are hail, drought, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Ohiowa residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hail is recommended.

What this means for Ohiowa: Hail preparedness

  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
  • Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
  • Document roof and property condition annually to streamline any future hail claims.

Local Factors for Ohiowa

These city-level factors differentiate Ohiowa from other communities in Fillmore County and provide geographic context for its hazard exposure.

Population

175

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 3.9/10

Coordinates

40.4109Β° N, 97.4618Β° W

Fillmore County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Ohiowa

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Ohiowa

Other cities in Nebraska

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.