Natural Disaster Risk — ZIP Code 45428

Natural Hazard Profile: ZIP 45428, Ohio

ZIP 45428 in Dayton 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 45428 carries an overall risk score of 7.5/10, placing it in the high category. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. The area also faces notable exposure to ice storm and cold wave.

Within Ohio, ZIP 45428'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 wind as the foremost hazard, followed by ice storm and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 45428'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.