🌍 ClimateRiskCheck

Natural Disaster Risk in Harrisburg

Ohio

7.7out of 10
High Risk

Risk Summary for Harrisburg

Harrisburg scores 7.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Cold Wave.

Top Hazards

Cold Wave Hail Extreme Heat

All 18 Hazard Scores

Tornado
9.9
Hail
9.9
Extreme Heat
9.9
Cold Wave
9.9
Winter Weather
9.7
Strong Wind
9.6
Lightning
9.6
Earthquake
9.4
Ice Storm
9.0
Landslide
6.9
Hurricane
6.6
Drought
6.3
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
3.8
Riverine Flooding
1.0

How it compares

Harrisburg
7.7
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: Harrisburg, Ohio

Harrisburg, in Franklin County, is a small unincorporated community situated in the interior eastern United States. 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 Harrisburg residents and property owners must navigate.

According to FEMA's National Risk Index, Harrisburg carries an overall risk score of 7.7/10, placing it in the high category. Arctic air outbreaks are the leading natural hazard, with temperature plunges to dangerous lows capable of causing hypothermia and widespread infrastructure failures. The area also faces notable exposure to hail and heat.

Within Ohio, Harrisburg's risk is, considerably above the 5.8/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Franklin County identifies cold wave as the foremost hazard, followed by hail and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Harrisburg's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Harrisburg: Cold Wave preparedness

  • 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.
  • Keep emergency heat and supplies ready in case of cold-related power outages.

Local Factors for Harrisburg

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

Population

306

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.8Β°

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: 3.8/10

Coordinates

39.8108Β° N, 83.1686Β° W

Franklin 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 Harrisburg

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Harrisburg

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.