Natural hazards · Berea

Berea, OH natural hazards

Most of the natural-hazard damage FEMA expects in Berea comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 6 claims here since 2011. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Berea?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Berea to be higher than in 10% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves21%Tornadoes12%Everything else10%

By hazard

What Berea faces

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

Inland flooding

58% of expected damage

Below average · higher than 28% of U.S. places

Recorded about 3 times a year in the area

Cold waves

21% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 57% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Berea flood?

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

6paid claims since 2011

$235Kpaid to owners

1homes flooded more than once

20112026

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

Insurance rates: Cuyahoga County.

Disasters that hit Berea

4 federal disasters brought FEMA money here

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

Brought FEMA money into BereaDeclared for Cuyahoga County only

2012

Severe Storms and Flooding Due to the Remnants of Hurricane Sandy

$93K to the City of Berea for repairs

2006

Severe Storms, Tornadoes, Straight Line Winds, and Flooding

3 households applied for aid

2004

Severe Storms and Flooding

20 households applied for aid $11K aid approved $13K to the City of Berea for repairs

2003

Tornadoes, Flooding, Severe Storms, and High Winds

20 households applied for aid $23K aid approved

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

Around Berea

Berea and the towns around it

Very lowLowModerateHighVery high

Brook Parkmostly inland floodingModerate

Olmsted Fallsmostly inland floodingLow

Olmstedmostly inland floodingVery low

Bereamostly inland floodingVery low

Strongsvillemostly inland floodingVery low

Middleburg Heightsmostly 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. Berea covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Berea’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Berea. 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 Berea total about $3.6M 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.