State Risk Profile
Ohio OH
Ohio's climate risks are led by heavy-rain flooding, hotter summers, and infrastructure strain in older housing markets.
FloodExtreme HeatWildfire
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
2022Flood
Northeast Ohio flooding
Heavy rain caused repeated flooding in parts of the state.
2023Extreme Heat
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.
Search any address nowLocation Reports
Active Address Risk Reports in Ohio
Explore parcel-level climate risk snapshots and insurance cost estimates for ZIP codes in Ohio.
43004Blacklick43015Delaware43016Dublin43017Dublin43021Galena43023Granville43026Hilliard43031Johnstown43035Lewis Center43040Marysville43050Mount Vernon43054New Albany43055Newark43056Heath43062Pataskala43064Plain City43065Powell43068Reynoldsburg43074Sunbury43078Urbana43081Westerville43082Westerville43085Columbus43110Canal Winchester43113Circleville43119Galloway43123Grove City43125Groveport43130Lancaster43138Logan43140London43147Pickerington43160Washington Court House43201Columbus43202Columbus43204Columbus43206Columbus43207Columbus43209Columbus43211Columbus43212Columbus43213Columbus43214Columbus43215Columbus43219Columbus43220Columbus43221Columbus43223Columbus43224Columbus43227Columbus43228Columbus43229Columbus43230Columbus43231Columbus43232Columbus43235Columbus43302Marion43311Bellefontaine43402Bowling Green43420Fremont43452Port Clinton43506Bryan43512Defiance43528Holland43537Maumee43545Napoleon43551Perrysburg43560Sylvania43605Toledo43606Toledo43607Toledo43608Toledo43609Toledo43611Toledo43612Toledo43613Toledo43614Toledo43615Toledo43616Oregon43623Toledo43701Zanesville43725Cambridge43812Coshocton43920East Liverpool43950Saint Clairsville43952Steubenville44001Amherst44004Ashtabula44011Avon44012Avon Lake44017Berea44022Chagrin Falls44023Chagrin Falls44024Chardon44030Conneaut44035Elyria44039North Ridgeville44041Geneva44044Grafton44052Lorain44053Lorain44055Lorain44057Madison44060Mentor44062Middlefield44067Northfield44070North Olmsted44077Painesville44087Twinsburg44089Vermilion44092Wickliffe44094Willoughby44095Eastlake44102Cleveland44103Cleveland44104Cleveland44105Cleveland44106Cleveland44107Lakewood44108Cleveland44109Cleveland44110Cleveland44111Cleveland44112Cleveland44113Cleveland44116Rocky River44118Cleveland44120Cleveland44121Cleveland44122Beachwood44123Euclid44124Cleveland44125Cleveland44126Cleveland44128Cleveland44129Cleveland44130Cleveland44131Independence44132Euclid44133North Royalton44134Cleveland44135Cleveland44136Strongsville44137Maple Heights44138Olmsted Falls44139Solon44140Bay Village44141Brecksville44142Brookpark44143Cleveland44144Cleveland44145Westlake44146Bedford44147Broadview Heights44149Strongsville44202Aurora44203Barberton44212Brunswick44221Cuyahoga Falls44223Cuyahoga Falls44224Stow44236Hudson44240Kent44241Streetsboro44256Medina44266Ravenna44278Tallmadge44281Wadsworth44301Akron44305Akron44306Akron44310Akron44312Akron44313Akron44314Akron44319Akron44320Akron44321Akron44333Akron44406Canfield44410Cortland44420Girard44446Niles44460Salem44483Warren44484Warren44485Warren44505Youngstown44511Youngstown44512Youngstown44514Youngstown44515Youngstown44601Alliance44622Dover44641Louisville44646Massillon44647Massillon44654Millersburg44663New Philadelphia44685Uniontown44691Wooster44705Canton44706Canton44708Canton44709Canton44720North Canton44721Canton44805Ashland44820Bucyrus44830Fostoria44833Galion44857Norwalk44870Sandusky44875Shelby44883Tiffin44903Mansfield44904Mansfield44905Mansfield44906Mansfield44907Mansfield45002Cleves45005Franklin45011Hamilton45013Hamilton45014Fairfield45030Harrison45036Lebanon45039Maineville45040Mason45042Middletown45044Middletown45056Oxford45066Springboro45067Trenton45069West Chester45102Amelia45103Batavia45133Hillsboro45140Loveland45150Milford45177Wilmington45202Cincinnati45205Cincinnati45208Cincinnati45211Cincinnati45212Cincinnati45215Cincinnati45219Cincinnati45220Cincinnati45224Cincinnati45227Cincinnati45230Cincinnati45231Cincinnati45233Cincinnati45236Cincinnati45237Cincinnati45238Cincinnati45239Cincinnati45240Cincinnati45241Cincinnati45242Cincinnati45243Cincinnati45244Cincinnati45245Cincinnati45247Cincinnati45248Cincinnati45249Cincinnati45251Cincinnati45255Cincinnati45320Eaton45322Englewood45324Fairborn45331Greenville45342Miamisburg45344New Carlisle45356Piqua45365Sidney45371Tipp City45373Troy45377Vandalia45385Xenia45405Dayton45406Dayton45409Dayton45410Dayton45414Dayton45417Dayton45419Dayton45420Dayton45424Dayton45429Dayton45431Dayton45432Dayton45440Dayton45449Dayton45458Dayton45459Dayton45502Springfield45503Springfield45504Springfield45505Springfield45601Chillicothe45638Ironton45640Jackson45662Portsmouth45701Athens45750Marietta45801Lima45804Lima45805Lima45822Celina45840Findlay45891Van Wert45895Wapakoneta