Climate Risk for Zip Code 45056

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 45056 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

$2,935,598

Expected Annual Loss for Zip Code 45056

35.8Score

Very Low compared to US average

Tornado

$2,223,777

Expected Annual Loss for Zip Code 45056

84.2Score

Very High compared to US average

Cold Wave

$1,247,650

Expected Annual Loss for Zip Code 45056

79.5Score

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
$2,935,598
Score: 35.8
MAJOR DRIVER
Tornado
$2,223,777
Score: 84.2
MAJOR DRIVER
Cold Wave
$1,247,650
Score: 79.5
Strong Wind
$263,289
Score: 69.7
Earthquake
$222,837
Score: 47.1
Heat Wave
$143,156
Score: 29.8
Lightning
$140,677
Score: 67.1
Ice Storm
$83,247
Score: 71.3
Hail
$74,373
Score: 55.0
Drought
$44,548
Score: 50.4
Winter Weather
$33,216
Score: 63.7
Wildfire
$2,180
Score: 42.4
Hurricane
$1,298
Score: 22.4
Landslide
$1,187
Score: 60.6

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: 35.8
🌪️High Investment

Tornado Mitigation

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

Risk Score: 84.2
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 79.5

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 45013Zip Code 45064Zip Code 45003Zip Code 47010Zip Code 47012Zip Code 45311
45056 Climate Risk Report | Financial & Hazard Analysis