🌍 ClimateRiskCheck

Natural Disaster Risk in Kirby

Ohio

4.7out of 10
Moderate Risk

Risk Summary for Kirby

Kirby scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Ice Storm.

Top Hazards

Ice Storm Hail Hurricane

All 18 Hazard Scores

Ice Storm
7.7
Hail
6.5
Hurricane
6.1
Lightning
5.4
Tsunami
5.4
Earthquake
5.2
Winter Weather
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Tornado
4.8
Strong Wind
4.8
Landslide
4.6
Avalanche
4.5
Cold Wave
4.4
Extreme Heat
2.8
Drought
1.7
Wildfire
1.3
Riverine Flooding
1.0

How it compares

Kirby
4.7
Ohio avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” 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: Kirby, Ohio

Kirby, in Wyandot 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 Kirby residents and property owners must navigate.

According to FEMA's National Risk Index, Kirby carries an overall risk score of 4.7/10, placing it in the moderate category. Ice storm risk tops the local winter hazard profile, with freezing rain events capable of coating roads, trees, and power lines with ice that causes widespread outages and dangerous travel conditions. The area also faces notable exposure to hail and hurricane.

Within Ohio, Kirby's risk is, slightly below the 5.8/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Wyandot County identifies ice storm as the foremost hazard, followed by hail and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, Kirby residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for ice storm is recommended.

What this means for Kirby: Ice Storm preparedness

  • Have a backup heat source and charged devices ready before winter storms arrive.
  • Prepare for multi-day power outages, as ice accretion frequently downs power lines.
  • Keep walkways treated and avoid travel during freezing-rain events.

Local Factors for Kirby

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

Population

100

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.8Β°

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: 1.3/10

Coordinates

40.8135Β° N, 83.4193Β° W

Wyandot 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 Kirby

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Kirby

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.