Natural Disaster Risk — ZIP Code 45880
Payne, Ohio
Risk Summary for ZIP 45880
ZIP 45880 scores 4.3/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hail.
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 45880, Ohio
Located in the Great Lakes region, ZIP 45880 serves the Payne 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 45880's overall natural disaster risk is rated 4.3/10 (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 earthquake and tornado.
Relative to other U.S. communities, ZIP 45880'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 hail and earthquake, 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 45880 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.
What this means for ZIP 45880: Hail preparedness
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
- Document roof and property condition annually to streamline any future hail claims.
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
Risk for the surrounding area
Local Factors for ZIP 45880
These city-level factors differentiate ZIP 45880 from other communities in Ohio County and provide geographic context for its hazard exposure.
Population
2,470
Small TownGeographic Zone
Great Lakes
Lake-effect snow & wind risk
Climate Band
Moderate Continental
Latitude 41.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.6/10
Coordinates
41.0662° N, 84.7378° 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 45880
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.