Natural Disaster Risk in Kelleys Island
Ohio
Risk Summary for Kelleys Island
Kelleys Island scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Kelleys Island, Ohio
Located in the Great Lakes region in Erie County, Kelleys Island is a small unincorporated community. 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 Kelleys Island a community where hazard awareness has real practical value.
Kelleys Island's overall natural disaster risk is rated 6.1/10 (High) by FEMA's National Risk Index. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. Secondary hazards include winter and hail.
Relative to other U.S. communities, Kelleys Island's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.8/10 state average. The hazard distribution here is led by coastal flood and winter, as measured by FEMA across Erie County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Kelleys Island'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 Kelleys Island: Coastal Flooding preparedness
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
Local Factors for Kelleys Island
These city-level factors differentiate Kelleys Island from other communities in Erie County and provide geographic context for its hazard exposure.
Population
128
RuralGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Moderate Continental
Latitude 41.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 3.3/10
Coordinates
41.6034° N, 82.7027° W
Erie 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 Kelleys Island
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Kelleys Island
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.