Natural hazards · Concord

Concord, OH natural hazards

Most of the natural-hazard damage FEMA expects in Concord comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 37 claims here since 1978.

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

Expected damage

How exposed is Concord?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Concord to be higher than in 29% of U.S. communities, mostly from inland flooding.

Inland flooding81%Tornadoes6%Everything else13%

By hazard

What Concord faces

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

Inland flooding

81% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once a year in the area

Tornadoes

6% of expected damage

Above average · higher than 51% 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 Concord flood?

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

37paid claims since 1978

$765Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Late winter storms: 4 claims, $54K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lake County.

Disasters that hit Concord

Federal disasters declared here

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

Brought FEMA money into ConcordDeclared for Lake County only

Lake County has had 12 natural disasters declared since 1953, most often floods and severe storms.

Around Concord

Concord and the towns around it

Very lowLowModerateHighVery high

Concordmostly inland floodingLow

Painesvillemostly inland floodingLow

Kirtland Hillsmostly inland floodingLow

Chardonmostly inland floodingLow

Mentormostly inland floodingVery low

Leroymostly inland floodingVery low

Hambdenmostly 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. Concord covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Concord’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Concord. 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 Concord total about $5.0M 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.