Natural hazards · Avon Lake

Avon Lake, OH natural hazards

Most of the natural-hazard damage FEMA expects in Avon Lake comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 7 claims here since 1980. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Avon Lake?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Avon Lake to be higher than in 13% of U.S. communities, mostly from inland flooding.

Inland flooding63%Tornadoes14%Cold waves9%Everything else15%

By hazard

What Avon Lake faces

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

Inland flooding

63% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 62% of U.S. places

Cold waves

9% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 4 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Avon Lake flood?

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

7paid claims since 1980

$41Kpaid to owners

2homes flooded more than once

19802026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lorain County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Avon Lake

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Avon Lake itself: aid to households, or repair grants to the City of Avon Lake.

Brought FEMA money into Avon LakeDeclared for Lorain County only

2004

Severe Storms and Flooding

2 households applied for aid

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

Around Avon Lake

Avon Lake and the towns around it

Very lowLowModerateHighVery high

Avonmostly inland floodingVery low

Avon Lakemostly inland floodingVery low

Sheffield Lakemostly inland floodingVery low

Bay Villagemostly inland floodingVery low

Sheffieldmostly 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. Avon Lake covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Avon Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Avon Lake. 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 Avon Lake total about $5.1M 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.