Natural Disaster Risk — ZIP Code 45860
Maria Stein, Ohio
Risk Summary for ZIP 45860
ZIP 45860 scores 4.6/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Earthquake.
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 45860, Ohio
ZIP 45860 in Maria Stein 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 45860 carries an overall risk score of 4.6/10, placing it in the moderate category. Seismic activity is the dominant hazard, with the community situated in or near an active tectonic zone capable of producing damaging ground shaking. The area also faces notable exposure to tornado and hail.
Within Ohio, ZIP 45860'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 earthquake as the foremost hazard, followed by tornado and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, ZIP 45860 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 earthquake is recommended.
What this means for ZIP 45860: Earthquake preparedness
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
- Standard homeowners insurance excludes earthquake damage — a separate earthquake policy or endorsement is needed.
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
Risk for the surrounding area
Local Factors for ZIP 45860
These city-level factors differentiate ZIP 45860 from other communities in Ohio County and provide geographic context for its hazard exposure.
Population
2,326
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.8/10
Coordinates
40.3937° N, 84.5157° 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 45860
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.