Natural hazards · Allen

Allen, OH natural hazards

Most of the natural-hazard damage FEMA expects in Allen comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1978.

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

Expected damage

How exposed is Allen?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Allen to be higher than in 60% of U.S. communities, mostly from inland flooding.

Inland flooding68%Tornadoes14%Strong wind7%Everything else11%

By hazard

What Allen faces

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

Inland flooding

68% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 88 years in the area

Strong wind

7% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 4 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Allen flood?

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

5paid claims since 1978

$59Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ottawa County.

Disasters that hit Allen

Federal disasters declared here

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

Brought FEMA money into AllenDeclared for Ottawa County only

Ottawa County has had 11 natural disasters declared since 1953, most often severe storms and floods.

Around Allen

Allen and the towns around it

Very lowLowModerateHighVery high

Bentonmostly inland floodingHigh

Allenmostly inland floodingHigh

Curticemostly inland floodingHigh

Claymostly inland floodingModerate

Jerusalemmostly inland floodingModerate

Northwoodmostly inland floodingLow

Oregonmostly inland floodingVery low

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. Allen covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Allen’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Allen. 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 Allen total about $1.7M 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.