🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 43566

Waterville, Ohio

7.6out of 10
High Risk

Risk Summary for ZIP 43566

ZIP 43566 scores 7.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Hail Ice Storm

All 18 Hazard Scores

Tornado
9.8
Hail
9.6
Ice Storm
9.6
Strong Wind
9.5
Cold Wave
9.3
Lightning
9.2
Coastal Flooding
9.2
Earthquake
9.0
Winter Weather
8.8
Extreme Heat
8.7
Hurricane
7.1
Tsunami
5.4
Volcanic Activity
5.1
Drought
4.7
Landslide
4.5
Avalanche
4.5
Wildfire
4.4
Riverine Flooding
1.0

How it compares

ZIP 43566
7.6
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: ZIP 43566, Ohio

ZIP 43566 covers part of the Waterville area, in the Great Lakes region. The surrounding region experiences cold winters with lake-effect snow in the north and warm, humid summers, with spring tornado risk and winter ice storms shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.

FEMA rates ZIP 43566's composite natural disaster risk at 7.6 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 hail and ice storm risk in their preparedness planning.

ZIP 43566'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, the highest-scoring are tornado, hail, and ice storm. 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, ZIP 43566 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 ZIP 43566: 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.

Risk for the surrounding area

Local Factors for ZIP 43566

These city-level factors differentiate ZIP 43566 from other communities in Ohio County and provide geographic context for its hazard exposure.

Population

8,604

Small Town

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Moderate Continental

Latitude 41.5Β°

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: 4.4/10

Coordinates

41.4947Β° N, 83.7584Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 43566

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Ohio

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.