Natural hazards · Chesterfield

Chesterfield, OH natural hazards

Most of the natural-hazard damage FEMA expects in Chesterfield comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Chesterfield?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chesterfield to be higher than in 25% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding41%Tornadoes20%Drought16%Cold waves6%Strong wind6%Everything else11%

By hazard

What Chesterfield faces

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

Inland flooding

41% of expected damage

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

Recorded about once every 3 years in the area

Tornadoes

20% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 24 years in the area

Drought

16% of expected damage

Recorded about once a year in the area

Cold waves

6% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 3 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Chesterfield flood?

FEMA's records show no paid flood insurance claims in Chesterfield.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fulton County.

Disasters that hit Chesterfield

Federal disasters declared here

None of the disasters declared for Fulton County shows FEMA aid or repair money reaching Chesterfield itself in FEMA’s records.

Brought FEMA money into ChesterfieldDeclared for Fulton County only

Fulton County has had 7 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Chesterfield

Chesterfield and the towns around it

Very lowLowModerateHighVery high

Senecamostly inland floodingLow

Royaltonmostly inland floodingLow

Gorhammostly inland floodingLow

Chesterfieldmostly inland floodingLow

Dovermostly 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. Chesterfield 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 Chesterfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Chesterfield. 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.