Natural Disaster Risk — ZIP Code 45380

Natural Hazard Profile: ZIP 45380, Ohio

ZIP 45380 in Versailles sits in the interior eastern United States. 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 45380 carries an overall risk score of 5.1/10, placing it in the moderate 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 earthquake and wind.

Within Ohio, ZIP 45380'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 tornado as the foremost hazard, followed by earthquake and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 45380'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 tornado exposure is adequately protected is a worthwhile step for property owners.