Natural Disaster Risk — ZIP Code 45875

Natural Hazard Profile: ZIP 45875, Ohio

ZIP 45875 in Ottawa sits in the Great Lakes region. 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 45875 carries an overall risk score of 4.7/10, placing it in the moderate category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to ice storm and hurricane.

Within Ohio, ZIP 45875'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 hail as the foremost hazard, followed by ice storm and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 45875 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 hail is recommended.