Natural Disaster Risk — ZIP Code 45694
Wheelersburg, Ohio
Risk Summary for ZIP 45694
ZIP 45694 scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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 45694, Ohio
Located in the interior eastern United States, ZIP 45694 serves the Wheelersburg community. The humid continental climate of this part of Ohio — bringing cold winters with lake-effect snow in the north and warm, humid summers — directly shapes the hazard exposure for properties in this postal area.
ZIP 45694's overall natural disaster risk is rated 5.9/10 (Moderate) by FEMA's National Risk Index. Heat wave risk stands out as the primary natural hazard here, with above-average summer temperatures amplified by urban heat island effects in developed areas. Secondary hazards include landslide and wind.
Relative to other U.S. communities, ZIP 45694's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.8/10 state average. The hazard distribution here is led by heat and landslide, as measured by FEMA across Ohio. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 45694'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 heat exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 45694: Extreme Heat preparedness
- Check on elderly neighbors and never leave children or pets in parked vehicles.
- 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.
Risk for the surrounding area
Local Factors for ZIP 45694
These city-level factors differentiate ZIP 45694 from other communities in Ohio County and provide geographic context for its hazard exposure.
Population
11,978
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.2/10
Coordinates
38.7481° N, 82.7835° 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 45694
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.