Natural Disaster Risk — ZIP Code 43604

Natural Hazard Profile: ZIP 43604, Ohio

ZIP 43604 in Toledo sits in the Great Lakes region. Its humid continental climate produces cold winters with lake-effect snow in the north and warm, humid summers, and notably spring tornado risk and winter ice storms. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 43604 carries an overall risk score of 7.6/10, placing it in the high category. Tornado activity is the top natural hazard risk, with the region lying in a corridor where warm, moist air frequently clashes with dry, cool air masses to spawn severe supercell thunderstorms. The area also faces notable exposure to hail and ice storm.

Within Ohio, ZIP 43604's risk is, considerably 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 Ohio identifies tornado as the foremost hazard, followed by hail and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 43604'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.