Natural hazards · Eaton

Eaton, OH natural hazards

Most of the natural-hazard damage FEMA expects in Eaton comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 9 claims here since 2011.

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

Expected damage

How exposed is Eaton?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eaton to be higher than in 11% of U.S. communities, mostly from inland flooding.

Inland flooding64%Tornadoes13%Cold waves8%Everything else15%

By hazard

What Eaton faces

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

Inland flooding

64% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 62% of U.S. places

Cold waves

8% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Eaton flood?

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

9paid claims since 2011

$189Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

Late winter storms: 1 claim, $8K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lorain County.

Disasters that hit Eaton

Federal disasters declared here

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

Brought FEMA money into EatonDeclared for Lorain County only

Lorain County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Eaton

Eaton and the towns around it

Very lowLowModerateHighVery high

Carlislemostly inland floodingLow

Elyriamostly inland floodingLow

North Ridgevillemostly inland floodingVery low

Columbiamostly inland floodingVery low

Graftonmostly inland floodingVery low

Eatonmostly inland floodingVery low

Graftonmostly 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. Eaton covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Eaton’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Eaton. 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 Eaton total about $805K 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.