Natural Disaster Risk in Fort Recovery
Ohio
Risk Summary for Fort Recovery
Fort Recovery scores 4.6/10 (Moderate risk), near 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 Recovery, Ohio
Located in the interior eastern United States in Mercer County, Fort Recovery is a town of roughly 4,644 residents. The humid continental climate that characterizes this part of Ohio — marked by cold winters with lake-effect snow in the north and warm, humid summers — directly influences the types and severity of natural hazards present, making Fort Recovery a community where hazard awareness has real practical value.
Fort Recovery's overall natural disaster risk is rated 4.6/10 (Moderate) by FEMA's National Risk Index. Earthquake risk stands out in the local hazard profile, driven by proximity to fault systems with a history of significant ground movement. Secondary hazards include tornado and hail.
Relative to other U.S. communities, Fort Recovery's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.8/10 state average. The hazard distribution here is led by earthquake and tornado, as measured by FEMA across Mercer County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Fort Recovery 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 Recovery: Earthquake preparedness
- 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.
- Standard homeowners insurance excludes earthquake damage — a separate earthquake policy or endorsement is needed.
Local Factors for Fort Recovery
These city-level factors differentiate Fort Recovery from other communities in Mercer County and provide geographic context for its hazard exposure.
Population
4,644
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.8/10
Coordinates
40.4099° N, 84.7464° W
Mercer 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 Recovery
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Fort Recovery
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.