Risk Index · Hamilton County · 2026-06-13
Cincinnati, OH real-estate risk
- Risk score
- 96.3/100
- Relatively High
- Expected annual loss
- $221M
- all hazards, county-wide
- Buildings-only loss
- $146M
- what owners and insurers carry
- Population
- 831K
- Hamilton County
Cincinnati, OH (Hamilton County) carries a FEMA National Risk Index score of 96.3/100, rated "Relatively High" and driven mainly by tornado and heat wave, with roughly $221M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Tornado99.4
- Heat wave98.9
- Strong wind97.2
- Riverine flood96.9
- Hail93.4
- Earthquake92.7
- Wildfire47.3
- Hurricane38.2
- Drought32
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Cincinnati risk questions
Is Cincinnati, OH a high-risk area for real estate?
Cincinnati scores 96.3/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $221M per year.
What is the biggest natural hazard in Cincinnati?
The highest-rated hazard is tornado (99.4/100), followed by heat wave (98.9/100).
How does hazard risk affect property insurance in Cincinnati?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.