Natural Disaster Risk — ZIP Code 45814

Natural Hazard Profile: ZIP 45814, Ohio

Located in the interior eastern United States, ZIP 45814 serves the Arlington 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 45814's overall natural disaster risk is rated 5.3/10 (Moderate) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include ice storm and tornado.

Relative to other U.S. communities, ZIP 45814's natural disaster risk is above the U.S. national average of 4.5/10, slightly below the 5.8/10 state average. The hazard distribution here is led by hail and ice storm, as measured by FEMA across Ohio. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

ZIP 45814'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 hail exposure is adequately protected is a worthwhile step for property owners.