OBERLIN SPEAR POINT SOLAR ONE
OperatingSolar power plant
- Capacity
- 2 MW
- Primary fuel
- Solar
- County
- Lorain County
- Operator
- OBERLIN SPEAR POINT SOLAR ONE, LLC
- Status
- Operating
- Commissioned
- 2012
- EIA plant ID
- 58134
- Coordinates
- 41.3035, -82.2249
OBERLIN SPEAR POINT SOLAR ONE, a 2 MW Solar power plant in Lorain County, Ohio. Operated by OBERLIN SPEAR POINT SOLAR ONE, LLC, commissioned 2012.
Weather peril exposure
OBERLIN SPEAR POINT SOLAR ONE is a 2 MW solar power plant in Lorain County, OH, operated by OBERLIN SPEAR POINT SOLAR ONE, LLC, commissioned in 2012. Lorain County carries elevated modeled catastrophe exposure in the FEMA National Risk Index, scoring 2.7 of 5 at the 43rd national percentile. Heat wave is the leading peril, rated Relatively Low by FEMA at the 79th percentile.
Lorain County hazard ratings
| Peril | FEMA rating | National percentile | Peril score | Share of modeled loss | Events per year |
|---|---|---|---|---|---|
| Heat wave | Relatively Low | 79th | 4.2 of 5 | <1% | 2.2 |
| Ice storm | Relatively High | 73rd | 3.9 of 5 | 2% | 0.78 |
| Winter weather | Relatively High | 70th | 3.8 of 5 | 1% | 12.3 |
| Hail | Relatively Moderate | 56th | 3.2 of 5 | 83% | 3.6 |
| Strong wind | Relatively High | 46th | 2.8 of 5 | 3% | 2.0 |
| Tornado | Relatively High | 43rd | 2.7 of 5 | 6% | 0.34 |
| Earthquake | Relatively Low | 36th | 2.4 of 5 | <1% | <0.01 |
| Lightning | Relatively Moderate | 24th | 2.0 of 5 | <1% | 40.9 |
| Hurricane | Very Low | 21st | 1.8 of 5 | <1% | 0.02 |
| Riverine flooding | Relatively Moderate | 18th | 1.7 of 5 | 4% | 2.2 |
| Wildfire | Very Low | 12th | 1.5 of 5 | <1% | <0.01 |
| Coastal flooding | Very Low | 9th | 1.4 of 5 | <1% | 0.02 |
Hail exposure and deductible structure
Hail scores 3.2 of 5, which sits in the 2% to 5% percentage deductible range carriers are quoting for that exposure. Named windstorm and severe convective wind score 2.8 of 5, indicating a 1% to 2% wind deductible. Ranges, not single figures. The final structure is set by the carrier.
Percentage hail deductible range: 2% to 5% of insured value. Wind deductible range: 1% to 2%. These are the structures commonly seen at this exposure, not an offer and not a rate.
Modeled annual loss for a 2 MW solar array
At an assumed replacement value of $0.90 per watt, or $1.8M insured, the modeled expected annual loss for a fixed tilt ground mount array in Lorain County is $1,229 a year, $615 per MW, 0.07% of insured value.
Heat is modeled as a production risk rather than a property loss: 2.4% of annual yield in this county.
Insurability signal: Standard. Hail carries 83% of modeled loss.
Model hail, wind and flood exposure for Lorain County in the weather risk calculator
Ratings are the FEMA National Risk Index county hazard ratings; the peril score is a Bywatts transform of the FEMA national percentile, and the modeled loss applies the Bywatts solar vulnerability layer. Full data sources and the solar vulnerability methodology are in the weather risk calculator.
Modeled estimate for screening and negotiation. Built from FEMA National Risk Index county hazard data and a solar vulnerability layer documented above. Not a quote, a binder, or actuarial advice, and not a substitute for a carrier's own model. Hazard data: FEMA National Risk Index December 2025, synced 2026-07-24. Resolution is county level, not site level. The solar vulnerability layer that turns FEMA building loss into modeled solar loss was derived by Bywatts and revised on physical reasoning. It has not been reviewed by a practising underwriter.