Natural Disaster Risk in Amherst
Ohio
Risk Summary for Amherst
Amherst scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Amherst, Ohio
Located in the Great Lakes region in Lorain County, Amherst is a city of approximately 21,448 residents. The humid continental climate that characterizes this part of Ohio β marked by cold winters with lake-effect snow in the north and warm, humid summers β directly influences the types and severity of natural hazards present, making Amherst a community where hazard awareness has real practical value.
Amherst's overall natural disaster risk is rated 7.1/10 (High) by FEMA's National Risk Index. The area faces significant ice storm exposure, where the thermal profile of the atmosphere during winter storms frequently delivers freezing rain rather than snow. Secondary hazards include wind and hail.
Relative to other U.S. communities, Amherst's natural disaster risk is well above the U.S. national average of 4.5/10, slightly above the 5.8/10 state average. The hazard distribution here is led by ice storm and wind, as measured by FEMA across Lorain County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, Amherst residents benefit from taking preparedness seriously. Reviewing insurance coverage for ice storm and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Amherst: Ice Storm preparedness
- Keep walkways treated and avoid travel during freezing-rain events.
- Have a backup heat source and charged devices ready before winter storms arrive.
- Prepare for multi-day power outages, as ice accretion frequently downs power lines.
Local Factors for Amherst
These city-level factors differentiate Amherst from other communities in Lorain County and provide geographic context for its hazard exposure.
Population
21,448
SuburbanGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Moderate Continental
Latitude 41.4Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 5.3/10
Coordinates
41.3683Β° N, 82.2596Β° W
Lorain 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 Amherst
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Amherst
Other cities in Ohio
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.