Natural hazards · Elmore

Elmore, OH natural hazards

Most of the natural-hazard damage FEMA expects in Elmore comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Elmore?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elmore to be higher than in 68% of U.S. communities, mostly from inland flooding.

Inland flooding71%Tornadoes12%Strong wind7%Everything else10%

By hazard

What Elmore faces

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

Inland flooding

71% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 30 years in the area

Strong wind

7% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 4 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Elmore flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ottawa County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Elmore

Federal disasters declared here

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

Brought FEMA money into ElmoreDeclared for Ottawa County only

Ottawa County has had 11 natural disasters declared since 1953, most often severe storms and floods.

Around Elmore

Elmore and the towns around it

Very lowLowModerateHighVery high

Elmoremostly inland floodingHigh

Harrismostly inland floodingHigh

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. Elmore 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 Elmore’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Elmore. 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.