Natural Disaster Risk in Zoar
Ohio
Risk Summary for Zoar
Zoar scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.
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: Zoar, Ohio
Zoar, in Tuscarawas 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 Zoar residents and property owners must navigate.
Zoar's overall natural disaster risk is rated 6.3/10 (High) by FEMA's National Risk Index. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Secondary hazards include landslide and lightning.
Within Ohio, Zoar's risk is, slightly above the 5.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Tuscarawas County identifies hail as the foremost hazard, followed by landslide and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Zoar residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail 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 Zoar: Hail preparedness
- Document roof and property condition annually to streamline any future hail claims.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
Local Factors for Zoar
These city-level factors differentiate Zoar from other communities in Tuscarawas County and provide geographic context for its hazard exposure.
Population
268
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.6Β°
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: 4.6/10
Coordinates
40.6081Β° N, 81.4117Β° W
Tuscarawas 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 Zoar
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Zoar
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.