Natural Disaster Risk in Oberlin
Ohio
Risk Summary for Oberlin
Oberlin scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Ice Storm.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Oberlin, Ohio
Oberlin, in Lorain County, is a city of approximately 11,745 residents situated in the Great Lakes region. 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 Oberlin residents and property owners must navigate.
Oberlin's overall natural disaster risk is rated 7.1/10 (High) by FEMA's National Risk Index. Freezing rain and ice accretion are the primary winter hazard, with glaze ice events capable of downing power lines, snapping tree limbs, and making roads impassable for days. Secondary hazards include wind and hail.
Within Ohio, Oberlin's risk is, slightly 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 Lorain County identifies ice storm as the foremost hazard, followed by wind and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Oberlin'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 Oberlin: 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 Oberlin
These city-level factors differentiate Oberlin from other communities in Lorain County and provide geographic context for its hazard exposure.
Population
11,745
SuburbanGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Moderate Continental
Latitude 41.3Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 5.3/10
Coordinates
41.2886Β° N, 82.2364Β° W
Lorain 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 Oberlin
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Oberlin
Other cities in Ohio
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.