Natural hazards · Bedford

Bedford, OH natural hazards

Most of the natural-hazard damage FEMA expects in Bedford comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 24 claims here since 1978.

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

Expected damage

How exposed is Bedford?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bedford to be higher than in 49% of U.S. communities, mostly from inland flooding.

Inland flooding77%Heat waves7%Everything else16%

By hazard

What Bedford faces

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

Inland flooding

77% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 3 times a year in the area

Heat waves

7% 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 wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Bedford flood?

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

24paid claims since 1978

$363Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Tropical Storm Ivan: 2 claims, $65K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Meigs County.

Disasters that hit Bedford

Federal disasters declared here

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

Brought FEMA money into BedfordDeclared for Meigs County only

Meigs County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Bedford

Bedford and the towns around it

Very lowLowModerateHighVery high

Salisburymostly inland floodingVery high

Lodimostly inland floodingModerate

Bedfordmostly inland floodingModerate

Scipiomostly inland floodingModerate

Chestermostly inland floodingLow

Orangemostly 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. Bedford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bedford’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Bedford. 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 Bedford total about $1.6M 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.