Natural Disaster Risk in Defiance
Ohio
Risk Summary for Defiance
Defiance scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Defiance, Ohio
Defiance, in Defiance County, is a city of approximately 28,022 residents situated in the Great Lakes region. Its humid continental climate brings cold winters with lake-effect snow in the north and warm, humid summers, and in particular spring tornado risk and winter ice storms. These conditions collectively define the natural hazard environment that Defiance residents and property owners must navigate.
Defiance's overall natural disaster risk is rated 4.9/10 (Moderate) by FEMA's National Risk Index. 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. Secondary hazards include tornado and ice storm.
Within Ohio, Defiance's risk is, slightly below the 5.8/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Defiance County identifies hail as the foremost hazard, followed by tornado and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Defiance 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 Defiance: Hail preparedness
- Document roof and property condition annually to streamline any future hail claims.
- 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.
Local Factors for Defiance
These city-level factors differentiate Defiance from other communities in Defiance County and provide geographic context for its hazard exposure.
Population
28,022
SuburbanGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Moderate Continental
Latitude 41.3Β°
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: 1.8/10
Coordinates
41.3031Β° N, 84.3587Β° W
Defiance 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 Defiance
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Defiance
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.