🌍 ClimateRiskCheck

Natural Disaster Risk in Middle Bass

Ohio

5.6out of 10
Moderate Risk

Risk Summary for Middle Bass

Middle Bass scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Strong Wind Ice Storm

All 18 Hazard Scores

Coastal Flooding
9.3
Strong Wind
8.1
Winter Weather
7.9
Ice Storm
7.9
Tornado
7.6
Hail
7.4
Hurricane
6.3
Earthquake
5.9
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Cold Wave
4.3
Extreme Heat
4.2
Lightning
3.9
Landslide
3.1
Wildfire
2.5
Drought
1.7
Riverine Flooding
1.0

How it compares

Middle Bass
5.6
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: Middle Bass, Ohio

Located in the Great Lakes region in Ottawa County, Middle Bass is a small unincorporated community. The humid continental climate that characterizes this part of Ohio β€” marked by cold winters with lake-effect snow in the north and warm, humid summers β€” directly influences the types and severity of natural hazards present, making Middle Bass a community where hazard awareness has real practical value.

FEMA rates Middle Bass's composite natural disaster risk at 5.6 out of 10 β€” moderate risk. Coastal flooding is the dominant hazard, with storm surge from tropical systems and nor'easters capable of inundating low-lying shoreline areas well above normal tidal levels. Residents should also account for wind and ice storm risk in their preparedness planning.

Relative to other U.S. communities, Middle Bass'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 wind, as measured by FEMA across Ottawa County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Middle Bass 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 coastal flood is recommended.

What this means for Middle Bass: 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 Middle Bass

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

Population

35

Rural

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Moderate Continental

Latitude 41.7Β°

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: 2.5/10

Coordinates

41.6848Β° N, 82.8086Β° W

Ottawa 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 Middle Bass

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Middle Bass

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.