Natural hazards · Bellevue

Bellevue, OH natural hazards

Most of the natural-hazard damage FEMA expects in Bellevue comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 28 claims here since 1978. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bellevue?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bellevue to be higher than in 22% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding54%Tornadoes15%Cold waves7%Strong wind6%Hail6%Everything else12%

By hazard

What Bellevue faces

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

Inland flooding

54% of expected damage

Below average · higher than 30% of U.S. places

Recorded about once a year in the area

Tornadoes

15% of expected damage

Above average · higher than 72% of U.S. places

Cold waves

7% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 4 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 2 times a year in the area

Hail

6% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Bellevue flood?

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

28paid claims since 1978

$316Kpaid to owners

4homes flooded more than once

19782026

Biggest named events

March storm: 4 claims, $32K
Tropical Storm Erin: 1 claim, $179K

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

Insurance rates: Sandusky County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Bellevue

3 federal disasters brought FEMA money here

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

Brought FEMA money into BellevueDeclared for Sandusky County only

2006

Severe Storms, Tornadoes, Straight Line Winds, and Flooding

121 households applied for aid $130K aid approved

2004

Snow

$13K to the City of Bellevue for repairs

2002

Severe Storms and Tornadoes

4 households applied for aid

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

Around Bellevue

Bellevue and the towns around it

Very lowLowModerateHighVery high

Grotonmostly inland floodingModerate

Lymemostly inland floodingModerate

Yorkmostly inland floodingLow

Bellevuemostly 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. Bellevue covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Bellevue’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bellevue. 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 Bellevue total about $2.0M 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.