Natural Disaster Risk — ZIP Code 43609
Toledo, Ohio
Risk Summary for ZIP 43609
ZIP 43609 scores 7.6/10 (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
🏠 What this means for insurance
Above-average risk — 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 43609, Ohio
Located in the Great Lakes region, ZIP 43609 serves the Toledo community. The humid continental climate of this part of Ohio — bringing cold winters with lake-effect snow in the north and warm, humid summers — directly shapes the hazard exposure for properties in this postal area.
ZIP 43609's overall natural disaster risk is rated 7.6/10 (High) by FEMA's National Risk Index. Tornadoes represent the primary threat to life and property here, with the local geography placing the community squarely in a high-frequency severe weather corridor. Secondary hazards include hail and ice storm.
Relative to other U.S. communities, ZIP 43609's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.8/10 state average. The hazard distribution here is led by tornado and hail, as measured by FEMA across Ohio. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a high natural disaster risk rating, ZIP 43609 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 43609: Tornado preparedness
- 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.
- Identify the safest interior room on the lowest floor — away from windows — as your shelter.
Risk for the surrounding area
Local Factors for ZIP 43609
These city-level factors differentiate ZIP 43609 from other communities in Ohio County and provide geographic context for its hazard exposure.
Population
21,404
SuburbanGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Moderate Continental
Latitude 41.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.4/10
Coordinates
41.6285° N, 83.5782° 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 43609
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.