Natural Disaster Risk in Oxford
Ohio
Risk Summary for Oxford
Oxford scores 7.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.
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: Oxford, Ohio
Oxford is a city of approximately 27,376 residents in Butler 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 Oxford.
FEMA rates Oxford's composite natural disaster risk at 7.4 out of 10 β high risk. The area faces significant tornado risk, positioned where atmospheric conditions regularly generate severe rotating thunderstorms capable of producing violent tornadoes. Residents should also account for cold wave and lightning risk in their preparedness planning.
Oxford's risk score, considerably above the 5.8/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Butler County, the highest-scoring are tornado, cold wave, and lightning. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a high natural disaster risk rating, Oxford residents benefit from taking preparedness seriously. Reviewing insurance coverage for tornado and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.
What this means for Oxford: Tornado preparedness
- Identify the safest interior room on the lowest floor β away from windows β as your shelter.
- Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.
- Review whether your insurance covers wind and debris damage, and document belongings in advance.
Local Factors for Oxford
These city-level factors differentiate Oxford from other communities in Butler County and provide geographic context for its hazard exposure.
Population
27,376
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.5Β°
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: 4.9/10
Coordinates
39.4903Β° N, 84.7412Β° W
Butler 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 Oxford
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Oxford
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.