Natural hazards · Bellbrook

Bellbrook, OH natural hazards

Most of the natural-hazard damage FEMA expects in Bellbrook comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 11 claims here since 1980. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bellbrook?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bellbrook to be higher than in 20% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves23%Tornadoes12%Everything else16%

By hazard

What Bellbrook faces

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

Inland flooding

49% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 2 times a year in the area

Cold waves

23% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 71% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Bellbrook flood?

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

11paid claims since 1980

$82Kpaid to owners

1homes 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. Bellbrook isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Greene County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Bellbrook

6 federal disasters brought FEMA money here

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

Brought FEMA money into BellbrookDeclared for Greene County only

2019

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

1 household applied for aid

2008

Severe Wind Storm Associated With Tropical Depression Ike

$112K to the City of Bellbrook for repairs

2008

Record Snow and Near Record Snow

$11K to the City of Bellbrook for repairs

2004

Snow

$13K to the City of Bellbrook for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$11K to the City of Bellbrook for repairs

2000

Severe Storms and Tornado

$14K to the City of Bellbrook for repairs

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

Around Bellbrook

Bellbrook and the towns around it

Very lowLowModerateHighVery high

Sugarcreekmostly inland floodingLow

Bellbrookmostly inland floodingLow

Washingtonmostly inland floodingVery low

Centervillemostly 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. Bellbrook covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Bellbrook’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bellbrook. 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 Bellbrook total about $2.1M 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.