Natural hazards · Elk

Elk, OH natural hazards

Most of the natural-hazard damage FEMA expects in Elk 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 Elk?

Low

vs. U.S. communities

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

Inland flooding78%Everything else22%

By hazard

What Elk faces

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

Inland flooding

78% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Elk flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Noble County.

Disasters that hit Elk

Federal disasters declared here

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

Brought FEMA money into ElkDeclared for Noble County only

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

Around Elk

Elk and the towns around it

Very lowLowModerateHighVery high

Libertymostly inland floodingVery high

Bethelmostly inland floodingHigh

Franklinmostly inland floodingHigh

Elkmostly inland floodingLow

Jeffersonmostly inland floodingLow

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