🌍 ClimateRiskCheck

Natural Disaster Risk in Bellbrook

Ohio

6.8out of 10
High Risk

Risk Summary for Bellbrook

Bellbrook scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Ice Storm Strong Wind

All 18 Hazard Scores

Cold Wave
9.3
Ice Storm
8.9
Strong Wind
8.6
Tornado
8.4
Earthquake
8.3
Lightning
7.8
Hail
7.7
Winter Weather
7.5
Extreme Heat
7.0
Landslide
6.4
Hurricane
5.8
Tsunami
5.4
Drought
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
3.9
Riverine Flooding
1.0

How it compares

Bellbrook
6.8
Ohio avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 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: Bellbrook, Ohio

Located in the interior eastern United States in Greene County, Bellbrook is a city of approximately 11,498 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 Bellbrook a community where hazard awareness has real practical value.

Bellbrook's overall natural disaster risk is rated 6.8/10 (High) by FEMA's National Risk Index. Extreme cold snaps top the local risk profile, with Arctic front passages causing rapid and severe temperature drops that challenge both infrastructure and outdoor safety. Secondary hazards include ice storm and wind.

Relative to other U.S. communities, Bellbrook'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 cold wave and ice storm, as measured by FEMA across Greene County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, Bellbrook residents benefit from taking preparedness seriously. Reviewing insurance coverage for cold wave 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 Bellbrook: Cold Wave preparedness

  • Keep emergency heat and supplies ready in case of cold-related power outages.
  • Dress in layers and limit exposure during extreme cold to prevent frostbite and hypothermia.
  • Protect pipes, pets, and plants, and ensure heating systems are serviced before winter.

Local Factors for Bellbrook

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

Population

11,498

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.6Β°

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

39.6363Β° N, 84.0777Β° W

Greene 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 Bellbrook

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Bellbrook

Other cities in Ohio

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.