Natural hazards · Fairborn

Fairborn, OH natural hazards

Most of the natural-hazard damage FEMA expects in Fairborn comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 16 claims here since 1980. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Fairborn?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fairborn to be higher than in 9% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding37%Cold waves32%Tornadoes13%Strong wind5%Everything else14%

By hazard

What Fairborn faces

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

Inland flooding

37% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 2 times a year in the area

Cold waves

32% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

13% of expected damage

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

Strong wind

5% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Fairborn flood?

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

16paid claims since 1980

$94Kpaid to owners

1homes flooded more than once

19802026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Greene County.

Disasters that hit Fairborn

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Fairborn itself: aid to households, or repair grants to the City of Fairborn.

Brought FEMA money into FairbornDeclared for Greene County only

2019

Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslide

71 households applied for aid

2008

Severe Wind Storm Associated With Tropical Depression Ike

$91K to the City of Fairborn for repairs

2008

Record Snow and Near Record Snow

$31K to the City of Fairborn for repairs

2004

Snow

$28K to the City of Fairborn for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$16K to the City of Fairborn for repairs

2000

Severe Storms and Tornado

$960 to the City of Fairborn for repairs

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

Around Fairborn

Fairborn and the towns around it

Very lowLowModerateHighVery high

Beavercreekmostly inland floodingVery low

Xeniamostly inland floodingVery low

Beavercreekmostly inland floodingVery low

Fairbornmostly inland floodingVery low

Bathmostly inland floodingVery low

Wright-Patterson AFBmostly 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. Fairborn covers 7 census tracts, combined by population.

Money that reached townFlood claims are matched to Fairborn’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Fairborn. 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 Fairborn total about $4.6M 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.