Natural Disaster Risk — ZIP Code 44804

Natural Hazard Profile: ZIP 44804, Ohio

ZIP 44804 in Arcadia 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 44804 carries an overall risk score of 5.3/10, placing it in the moderate category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to ice storm and tornado.

Within Ohio, ZIP 44804's risk is, slightly below the 5.8/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Ohio identifies hail as the foremost hazard, followed by ice storm and tornado. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 44804's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hail exposure is adequately protected is a worthwhile step for property owners.