🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 45612

Bainbridge, Ohio

6.4out of 10
High Risk

Risk Summary for ZIP 45612

ZIP 45612 scores 6.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Lightning Extreme Heat

All 18 Hazard Scores

Lightning
9.4
Landslide
9.4
Extreme Heat
8.1
Ice Storm
8.1
Drought
7.3
Hail
6.5
Winter Weather
6.5
Strong Wind
6.3
Tornado
6.2
Earthquake
6.0
Hurricane
5.7
Wildfire
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Cold Wave
3.5
Riverine Flooding
1.0

How it compares

ZIP 45612
6.4
Ohio avg.
5.8
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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 45612, Ohio

ZIP 45612 covers part of the Bainbridge area, in the interior eastern United States. 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 45612's composite natural disaster risk at 6.4 out of 10 β€” high risk. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Residents should also account for lightning and heat risk in their preparedness planning.

ZIP 45612's risk score, slightly above 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 landslide, lightning, and heat. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, ZIP 45612 residents benefit from taking preparedness seriously. Reviewing insurance coverage for landslide 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 45612: Landslide preparedness

  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.
  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.

Risk for the surrounding area

Local Factors for ZIP 45612

These city-level factors differentiate ZIP 45612 from other communities in Ohio County and provide geographic context for its hazard exposure.

Population

4,933

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.5/10

Coordinates

39.2157Β° N, 83.2717Β° 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 45612

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.