Natural Disaster Risk in Fort Loramie
Ohio
Risk Summary for Fort Loramie
Fort Loramie scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Fort Loramie, Ohio
Fort Loramie is a town of roughly 3,429 residents in Shelby County, in the interior eastern United States. The area experiences cold winters with lake-effect snow in the north and warm, humid summers, with spring tornado risk and winter ice storms 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 Fort Loramie.
FEMA rates Fort Loramie's composite natural disaster risk at 5.7 out of 10 — moderate risk. The area's position within a seismically active region makes earthquake preparedness a top priority for residents and property owners alike. Residents should also account for hail and lightning risk in their preparedness planning.
Fort Loramie's risk score, near the 5.8/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Shelby County, the highest-scoring are earthquake, hail, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Fort Loramie residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for earthquake is recommended.
What this means for Fort Loramie: Earthquake preparedness
- Standard homeowners insurance excludes earthquake damage — a separate earthquake policy or endorsement is needed.
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
Local Factors for Fort Loramie
These city-level factors differentiate Fort Loramie from other communities in Shelby County and provide geographic context for its hazard exposure.
Population
3,429
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.2/10
Coordinates
40.3299° N, 84.3781° W
Shelby 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 Fort Loramie
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Fort Loramie
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.