🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 44850

New Haven, Ohio

5.8out of 10
Moderate Risk

Risk Summary for ZIP 44850

ZIP 44850 scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Hail Winter Weather

All 18 Hazard Scores

Lightning
9.1
Hail
8.1
Winter Weather
7.8
Strong Wind
7.6
Ice Storm
7.3
Tornado
7.1
Hurricane
6.4
Earthquake
5.8
Landslide
5.6
Cold Wave
5.6
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Extreme Heat
4.2
Wildfire
2.6
Drought
1.7
Riverine Flooding
1.0

How it compares

ZIP 44850
5.8
Ohio avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: ZIP 44850, Ohio

ZIP 44850 covers part of the New Haven 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 44850's composite natural disaster risk at 5.8 out of 10 β€” moderate risk. High lightning activity is the primary natural hazard concern, driven by frequent severe thunderstorm development that produces dense ground strike patterns across the area. Residents should also account for hail and winter risk in their preparedness planning.

ZIP 44850's risk score, near the 5.8/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are lightning, hail, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, ZIP 44850 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for lightning is recommended.

What this means for ZIP 44850: Lightning preparedness

  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.

Risk for the surrounding area

Local Factors for ZIP 44850

These city-level factors differentiate ZIP 44850 from other communities in Ohio County and provide geographic context for its hazard exposure.

Population

155

Rural

Geographic Zone

Great Lakes

Lake-effect snow & wind risk

Climate Band

Moderate Continental

Latitude 41.0Β°

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: 2.6/10

Coordinates

41.0354Β° N, 82.6840Β° 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 44850

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.