Natural Disaster Risk — ZIP Code 45836

Natural Hazard Profile: ZIP 45836, Ohio

ZIP 45836 in Dunkirk 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 45836 carries an overall risk score of 4.8/10, placing it in the moderate category. Lightning from frequent convective storms is the leading natural hazard, with above-average strike density creating risks for outdoor activities, trees, and sensitive infrastructure. The area also faces notable exposure to hail and hurricane.

Within Ohio, ZIP 45836's risk is, slightly below the 5.8/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Ohio identifies lightning as the foremost hazard, followed by hail and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 45836'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 lightning exposure is adequately protected is a worthwhile step for property owners.