Natural Disaster Risk in Harrod
Ohio
Risk Summary for Harrod
Harrod scores 5.9/10 (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: Harrod, Ohio
Harrod is a town of roughly 3,559 residents in Allen 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 Harrod.
FEMA rates Harrod's composite natural disaster risk at 5.9 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 wind and hail risk in their preparedness planning.
Harrod'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 Allen County, the highest-scoring are earthquake, wind, and hail. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Harrod's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that earthquake exposure is adequately protected is a worthwhile step for property owners.
What this means for Harrod: 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 Harrod
These city-level factors differentiate Harrod from other communities in Allen County and provide geographic context for its hazard exposure.
Population
3,559
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.1/10
Coordinates
40.7038° N, 83.9182° W
Allen 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 Harrod
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Harrod
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.