State Risk Profile
Ohio OH
Ohio's climate risks are led by heavy-rain flooding, hotter summers, and infrastructure strain in older housing markets.
Statewide Profile
- Population
- 11.8M
- Insurance Market
- Low Pressure
- Cities Profiled
- 0
- Last Reviewed
- 2026-06-06
Risk Summary
Ohio is mostly a flood-and-heat state, with river systems, urban runoff, and aging infrastructure shaping buyer risk.
Flooding affects both metros and smaller river communities, while heat is rising across the state.
Insurance Market
Insurance remains available, though repeated water losses and older housing can raise costs in exposed neighborhoods.
- Basement flooding and stormwater issues matter in many Ohio markets.
- Heat adaptation in older homes is becoming a more visible expense.
Notable Events
Significant state-level events
Northeast Ohio flooding
Heavy rain caused repeated flooding in parts of the state.
Midwest heat wave
Longer hot periods increased cooling demand across Ohio.
City Directory
Ohio cities coming soon
City-level profiles for Ohio are being prepared. The statewide risk profile and insurance notes are live above.
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Active Address Risk Reports in Ohio
Explore parcel-level climate risk snapshots and insurance cost estimates for ZIP codes in Ohio.