Climate Risk for Zip Code 45055

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 45055 are Inland Flooding, Tornado, and Cold Wave.

Data SourceFEMA National Risk Index (December 2025 Update)

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$4,956,606

Expected Annual Loss for Zip Code 45055

48.0Score

Relatively Moderate compared to US average

Tornado

$1,412,294

Expected Annual Loss for Zip Code 45055

71.3Score

Relatively Moderate compared to US average

Cold Wave

$1,015,824

Expected Annual Loss for Zip Code 45055

72.7Score

Relatively Moderate compared to US average

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$4,956,606
Score: 48.0
MAJOR DRIVER
Tornado
$1,412,294
Score: 71.3
MAJOR DRIVER
Cold Wave
$1,015,824
Score: 72.7
Earthquake
$182,760
Score: 42.3
Strong Wind
$150,271
Score: 52.9
Heat Wave
$118,150
Score: 21.1
Lightning
$116,531
Score: 57.1
Ice Storm
$79,383
Score: 68.7
Hail
$54,485
Score: 49.0
Winter Weather
$27,690
Score: 56.8
Drought
$3,423
Score: 41.9
Wildfire
$3,065
Score: 48.7
Landslide
$1,116
Score: 64.5
Hurricane
$711
Score: 19.2

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 48.0
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 71.3
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 72.7

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 45011Zip Code 45067Zip Code 45013Zip Code 45062Zip Code 45042Zip Code 45044
45055 Climate Risk Report | Financial & Hazard Analysis