Natural hazards · Albany

Albany, OH natural hazards

Most of the natural-hazard damage FEMA expects in Albany comes from inland flooding, and overall the risk is very low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Albany?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Albany to be higher than in 15% of U.S. communities, mostly from inland flooding.

Inland flooding60%Heat waves9%Tornadoes7%Strong wind6%Everything else18%

By hazard

What Albany faces

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

Inland flooding

60% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 3 times a year in the area

Heat waves

9% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once every 48 years in the area

Strong wind

6% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightningDrought

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 Albany flood?

FEMA's records show no paid flood insurance claims in Albany.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Athens County.

Disasters that hit Albany

3 federal disasters brought FEMA money here

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

Brought FEMA money into AlbanyDeclared for Athens County only

2012

Severe Storms and Straight-Line Winds

$4K to the Village of Albany for repairs

2004

Severe Storms and Flooding

4 households applied for aid $7K aid approved

2003

Severe Winter Storm and Record/Near Record Snow

3 households applied for aid $16K to the Village of Albany for repairs

Athens County has had 15 natural disasters declared since 1953, most often severe storms and floods.

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. Albany is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.