🌍 ClimateRiskCheck

Natural Disaster Risk in Zoar

Ohio

6.3out of 10
High Risk

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

Hail Landslide Lightning

All 18 Hazard Scores

Hail
8.8
Landslide
8.5
Lightning
8.3
Ice Storm
7.8
Winter Weather
7.5
Drought
7.0
Extreme Heat
7.0
Hurricane
6.5
Strong Wind
6.5
Earthquake
6.0
Tsunami
5.4
Tornado
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Wildfire
4.6
Avalanche
4.5
Cold Wave
3.7
Riverine Flooding
1.0

How it compares

Zoar
6.3
Ohio avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 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

Rural

Geographic 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

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ZIP Codes in Zoar

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.