Natural hazards · Deerfield

Deerfield, OH natural hazards

Most of the natural-hazard damage FEMA expects in Deerfield comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 24 claims here since 1997.

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

Expected damage

How exposed is Deerfield?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Deerfield to be higher than in 30% of U.S. communities, mostly from inland flooding.

Inland flooding58%Drought12%Lightning7%Heat waves7%Tornadoes6%Everything else10%

By hazard

What Deerfield 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

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

Recorded about 2 times a year in the area

Drought

12% of expected damage

Recorded about 2 times a year in the area

Lightning

7% of expected damage

Below average · higher than 35% of U.S. places

Heat waves

7% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 22 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong wind

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 Deerfield flood?

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

24paid claims since 1997

$278Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ross County.

Disasters that hit Deerfield

Federal disasters declared here

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

Brought FEMA money into DeerfieldDeclared for Ross County only

Ross County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Deerfield

Deerfield and the towns around it

Very lowLowModerateHighVery high

Waynemostly inland floodingLow

Deerfieldmostly inland floodingLow

Concordmostly inland floodingLow

Deercreekmostly inland floodingLow

Perrymostly inland floodingLow

Unionmostly 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. Deerfield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Deerfield’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Deerfield. 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 Deerfield total about $1.0M 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.