🌍 ClimateRiskCheck

Natural Disaster Risk in Defiance

Ohio

4.9out of 10
Moderate Risk

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

Hail Tornado Ice Storm

All 18 Hazard Scores

Hail
6.9
Tornado
6.8
Ice Storm
6.2
Earthquake
5.9
Strong Wind
5.9
Tsunami
5.4
Hurricane
5.1
Volcanic Activity
5.1
Coastal Flooding
4.9
Landslide
4.8
Avalanche
4.5
Winter Weather
4.0
Lightning
4.0
Cold Wave
4.0
Drought
3.7
Extreme Heat
3.7
Wildfire
1.8
Riverine Flooding
1.0

How it compares

Defiance
4.9
Ohio avg.
5.8
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: 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

Suburban

Geographic 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

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ZIP Codes in Defiance

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.