Natural Disaster Risk — ZIP Code 45859
McGuffey, Ohio
Risk Summary for ZIP 45859
ZIP 45859 scores 4.8/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Lightning.
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 45859, Ohio
Located in the interior eastern United States, ZIP 45859 serves the McGuffey 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 45859's overall natural disaster risk is rated 4.8/10 (Moderate) by FEMA's National Risk Index. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. Secondary hazards include hail and hurricane.
Relative to other U.S. communities, ZIP 45859's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.8/10 state average. The hazard distribution here is led by lightning and hail, as measured by FEMA across Ohio. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, ZIP 45859 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for lightning is recommended.
What this means for ZIP 45859: Lightning preparedness
- Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
- Avoid plumbing and corded electronics during active thunderstorms.
- Install whole-home surge protection to shield electronics from strike-related power surges.
Risk for the surrounding area
Local Factors for ZIP 45859
These city-level factors differentiate ZIP 45859 from other communities in Ohio County and provide geographic context for its hazard exposure.
Population
384
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.7°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.4/10
Coordinates
40.6930° N, 83.7857° 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 45859
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.