Natural hazards · Ohio

Ohio, IN natural hazards

Most of the natural-hazard damage FEMA expects in Ohio comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 2009.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Ohio?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ohio to be higher than in 68% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding55%Earthquakes18%Tornadoes11%Strong wind5%Everything else11%

By hazard

What Ohio faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

55% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

18% of expected damage

Well above average · higher than 82% of U.S. places

Tornadoes

11% of expected damage

Above average · higher than 70% of U.S. places

Strong wind

5% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Ohio flood?

Every paid claim on a federal flood insurance policy in Ohio, from FEMA’s records.

3paid claims since 2009

$49Kpaid to owners

0homes flooded more than once

20092026

Biggest named events

Central U.S. April Flooding: 1 claim, $4K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Ohio isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Warrick County.

Disasters that hit Ohio

Federal disasters declared here

None of the disasters declared for Warrick County shows FEMA aid or repair money reaching Ohio itself in FEMA’s records.

Brought FEMA money into OhioDeclared for Warrick County only

Warrick County has had 18 natural disasters declared since 1953, most often severe storms and floods.

Around Ohio

Ohio and the towns around it

Very lowLowModerateHighVery high

Newburghmostly inland floodingHigh

Ohiomostly inland floodingHigh

Evansvillemostly earthquakesHigh

Knightmostly earthquakesHigh

Andersonmostly inland floodingHigh

Campbellmostly inland floodingHigh

Boonmostly inland floodingHigh

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Ohio covers 8 census tracts, combined by population.

Money that reached townFlood claims are matched to Ohio’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Ohio. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Ohio total about $15.9M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.