🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 45653

Minford, Ohio

5.9out of 10
Moderate Risk

Risk Summary for ZIP 45653

ZIP 45653 scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.

Top Hazards

Extreme Heat Landslide Strong Wind

All 18 Hazard Scores

Extreme Heat
9.2
Landslide
8.8
Strong Wind
7.7
Winter Weather
7.5
Lightning
7.5
Ice Storm
7.4
Earthquake
6.7
Hurricane
6.2
Tsunami
5.4
Tornado
5.2
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Wildfire
4.2
Hail
3.8
Drought
3.7
Cold Wave
3.2
Riverine Flooding
1.0

How it compares

ZIP 45653
5.9
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 45653, Ohio

ZIP 45653 in Minford 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 45653 carries an overall risk score of 5.9/10, placing it in the moderate category. Extreme heat is the top natural hazard concern, with summer temperatures regularly reaching dangerous thresholds that pose serious health risks, particularly for elderly and outdoor workers. The area also faces notable exposure to landslide and wind.

Within Ohio, ZIP 45653's risk is, near 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 heat as the foremost hazard, followed by landslide and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 45653 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 heat is recommended.

What this means for ZIP 45653: Extreme Heat preparedness

  • Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.
  • Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
  • Check on elderly neighbors and never leave children or pets in parked vehicles.

Risk for the surrounding area

Local Factors for ZIP 45653

These city-level factors differentiate ZIP 45653 from other communities in Ohio County and provide geographic context for its hazard exposure.

Population

3,528

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.9Β°

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: 4.2/10

Coordinates

38.8898Β° N, 82.8231Β° 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 45653

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.