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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 very low for a U.S. community. Flood insurance has paid 3 claims here since 1996.

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

How exposed is Deerfield?

15
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Deerfield to be higher than in 15% of U.S. communities, mostly from inland flooding.

Inland flooding57%Tornadoes15%Cold waves12%Everything else16%
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

57% of expected damage
Below average · higher than 28% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

15% of expected damage
Above average · higher than 71% of U.S. places

Cold waves

12% of expected damage
Above average · higher than 62% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Deerfield flood?

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

3paid claims since 1996
$41Kpaid to owners
0homes flooded more than once
19962026
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: Warren County.
Disasters that hit Deerfield

Federal disasters declared here

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

Brought FEMA money into DeerfieldDeclared for Warren County only
Warren County has had 11 natural disasters declared since 1953, most often severe storms and floods.
Around Deerfield

Deerfield and the towns around it

Mason: Very low, mostly inland floodingKings Mills: Very low, mostly inland floodingHamilton: Low, mostly inland floodingLoveland Park: Low, mostly inland floodingSouth Lebanon: Moderate, mostly inland floodingWest Chester: Very low, mostly inland floodingSymmes: Low, mostly inland floodingHighpoint: Very low, mostly inland floodingSharonville: Very low, mostly inland floodingLanden: Very low, mostly inland floodingUnion: Low, mostly inland floodingTurtlecreek: Very low, mostly inland floodingLebanon: Low, mostly inland floodingLoveland: Low, mostly inland floodingSalem: High, mostly inland floodingHarlan: Low, mostly inland floodingLiberty: Low, mostly inland floodingFairfield: Low, mostly inland floodingFairfield: Low, mostly inland floodingThe Village of Indian Hill: Low, mostly inland floodingMontgomery: Very low, mostly inland floodingMiami: Very low, mostly inland floodingCamp Dennison: High, mostly inland floodingRemington: Low, mostly inland floodingSixteen Mile Stand: Very low, mostly inland floodingMiamiville: Low, mostly inland floodingSycamore: Very low, mostly inland floodingBrecon: Very low, mostly inland floodingEvendale: Low, mostly inland floodingBlue Ash: Very low, mostly inland floodingGlendale: Moderate, mostly inland floodingSpringdale: Very low, mostly inland floodingDeerfield: Very low, mostly inland flooding DeerfieldMasonKings MillsHamiltonLoveland ParkSouth LebanonWest ChesterSymmesHighpointSharonvilleLandenUnion
Very lowLowModerateHighVery high
South Lebanonmostly inland floodingModerate
Loveland Parkmostly inland floodingLow
Symmesmostly inland floodingLow
Unionmostly inland floodingLow
Hamiltonmostly inland floodingLow
West Chestermostly inland floodingVery low
Deerfieldmostly inland floodingVery low
Sharonvillemostly inland floodingVery low
Highpointmostly inland floodingVery low
Kings Millsmostly inland floodingVery low
Landenmostly inland floodingVery low
Masonmostly 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 8 census tracts, 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 $10.9M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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