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Natural hazards · Cambridge

Cambridge, OH natural hazards

Most of the natural-hazard damage FEMA expects in Cambridge comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 125 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

How exposed is Cambridge?

24
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cambridge to be higher than in 24% of U.S. communities, mostly from inland flooding.

Inland flooding77%Tornadoes7%Everything else17%
By hazard

What Cambridge 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
Below average · higher than 48% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

7% of expected damage
Above average · higher than 53% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Cambridge flood?

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

125paid claims since 1978
$2.8Mpaid to owners
16homes flooded more than once
19782026

Biggest named events

  • Not a named storm: 11 claims, $292K
  • Tropical Storm Ivan: 1 claim, $1K

Homes that flooded again and again

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Cambridge isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Guernsey County.

What’s been done with FEMA grants

24flood-prone properties bought out and cleared
11flood-prone homes bought out and moved
6buildings floodproofed
Disasters that hit Cambridge

7 federal disasters brought FEMA money here

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

Brought FEMA money into CambridgeDeclared for Guernsey County only
2019

Severe Storms, Flooding, and Landslides

$11K to the City of Cambridge for repairs
2012

Severe Storms and Straight-Line Winds

$112K to the City of Cambridge for repairs
2011

Severe Storms and Flooding

$106K to the City of Cambridge for repairs
2008

Severe Wind Storm Associated With Tropical Depression Ike

$22K to the City of Cambridge for repairs
2004

Severe Winter Storms, Flooding, and Mudslides

30 households applied for aid $21K aid approved
2004

Severe Storms and Flooding

264 households applied for aid $556K aid approved $50K to the City of Cambridge for repairs
2003

Severe Winter Storm and Record/Near Record Snow

$14K to the City of Cambridge for repairs
Guernsey County has had 13 natural disasters declared since 1953, most often severe storms and floods.
Around Cambridge

Cambridge and the towns around it

Cambridge: Low, mostly inland floodingJackson: Very low, mostly inland floodingCenter: Very low, mostly inland floodingLiberty: Low, mostly inland floodingAdams: Low, mostly inland floodingByesville: Very low, mostly inland floodingWestland: Very low, mostly inland floodingValley: Very low, mostly inland floodingRichland: Low, mostly inland floodingCambridge: Low, mostly inland flooding CambridgeCambridgeJackson
Very lowLowModerateHighVery high
Cambridgemostly inland floodingLow
Cambridgemostly inland floodingLow
Jacksonmostly 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. Cambridge covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Cambridge’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cambridge. 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 Cambridge total about $2.3M 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.

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