Natural hazards · Cheshire

Cheshire, OH natural hazards

Most of the natural-hazard damage FEMA expects in Cheshire comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1980. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cheshire?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cheshire to be higher than in 56% of U.S. communities, mostly from inland flooding.

Inland flooding77%Heat waves13%Everything else10%

By hazard

What Cheshire 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

Well above average · higher than 80% of U.S. places

Recorded about 3 times a year in the area

Heat waves

13% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 5 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 Cheshire flood?

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

3paid claims since 1980

$9Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gallia County.

Disasters that hit Cheshire

2 federal disasters brought FEMA money here

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

Brought FEMA money into CheshireDeclared for Gallia County only

2004

Severe Storms and Flooding

6 households applied for aid $31K aid approved

2003

Severe Winter Storm and Record/Near Record Snow

11 households applied for aid $3K aid approved

Gallia County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Cheshire

Cheshire and the towns around it

Very lowLowModerateHighVery high

Cheshiremostly inland floodingModerate

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. Cheshire is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Cheshire’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Cheshire. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.