Natural hazards · Ohio

Ohio, NY natural hazards

Most of the natural-hazard damage FEMA expects in Ohio comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2011. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ohio?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ohio to be higher than in 56% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%

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

86% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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.

2paid claims since 2011

$29Kpaid to owners

0homes flooded more than once

20112026

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: Herkimer County.

Disasters that hit Ohio

8 federal disasters brought FEMA money here

Disasters the President declared that paid out in Ohio itself: aid to households, or repair grants to the Town of Ohio.

Brought FEMA money into OhioDeclared for Herkimer County only

2019

Severe Storms, Straight-Line Winds, and Flooding

$1.0M to the Town of Ohio for repairs

2017

Severe Winter Storm and Snowstorm

$9K to the Town of Ohio for repairs

2013

Severe Storms and Flooding

$40K to the Town of Ohio for repairs

2011

Hurricane Irene

1 household applied for aid $3K aid approved

2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$107K to the Town of Ohio for repairs

2006

Severe Storms and Flooding

1 household applied for aid $2K aid approved $38K to the Town of Ohio for repairs

2004

Severe Storms and Flooding

$55K to the Town of Ohio for repairs

2002

Snowstorms

$7K to the Town of Ohio for repairs

Herkimer County has had 19 natural disasters declared since 1953, most often severe storms and floods.

Around Ohio

Ohio and the towns around it

Very lowLowModerateHighVery high

Ohiomostly inland floodingModerate

Norwaymostly inland floodingModerate

Forestportmostly inland floodingModerate

Webbmostly inland floodingModerate

Morehousemostly inland floodingModerate

Russiamostly inland floodingModerate

Salisburymostly inland floodingLow

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 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ohio’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town 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 $456K 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.