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Natural hazards · Fairfield

Fairfield, OH natural hazards

Most of the natural-hazard damage FEMA expects in Fairfield comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 2001.

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

How exposed is Fairfield?

38
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fairfield to be higher than in 38% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes25%Cold waves14%Everything else10%
By hazard

What Fairfield faces

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

Inland flooding

51% of expected damage
Above average · higher than 50% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

25% of expected damage
Well above average · higher than 96% of U.S. places

Cold waves

14% of expected damage
Above average · higher than 59% 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 Fairfield flood?

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

4paid claims since 2001
$16Kpaid to owners
0homes flooded more than once
20012026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Fairfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Butler County.
Disasters that hit Fairfield

Federal disasters declared here

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

Brought FEMA money into FairfieldDeclared for Butler County only
Butler County has had 12 natural disasters declared since 1953, most often severe storms and floods.
Around Fairfield

Fairfield and the towns around it

Hamilton: Moderate, mostly inland floodingFairfield: Low, mostly inland floodingSt. Clair: Very high, mostly inland floodingRoss: High, mostly inland floodingWoodsdale: High, mostly inland floodingNew Miami: Very high, mostly inland floodingLiberty: Low, mostly inland floodingWest Chester: Very low, mostly inland floodingColerain: Low, mostly inland floodingDunlap: Low, mostly inland floodingMadison: Moderate, mostly inland floodingHanover: Low, mostly inland floodingForest Park: Very low, mostly tornadoesSpringdale: Very low, mostly inland floodingTrenton: High, mostly inland floodingWayne: Low, mostly inland floodingMorgan: Moderate, mostly inland floodingRoss: High, mostly inland floodingCrosby: High, mostly inland floodingMillville: Low, mostly inland floodingLemon: Moderate, mostly inland floodingMonroe: Low, mostly inland floodingSharonville: Very low, mostly inland floodingDeerfield: Very low, mostly inland floodingTaylor Creek: High, mostly inland floodingWhitewater: High, mostly inland floodingWhite Oak: Low, mostly inland floodingNorth College Hill: Low, mostly inland floodingGreen: Low, mostly inland floodingPleasant Run: Very low, mostly inland floodingMiamitown: High, mostly inland floodingDry Ridge: Low, mostly inland floodingDent: Moderate, mostly inland floodingMiddletown: Moderate, mostly inland floodingGerman: High, mostly inland floodingFranklin: Moderate, mostly inland floodingGratis: Moderate, mostly inland floodingFairfield: Low, mostly inland flooding FairfieldHamiltonFairfieldSt. ClairRossWoodsdaleNew MiamiLibertyWest ChesterColerainDunlapMadison
Very lowLowModerateHighVery high
New Miamimostly inland floodingVery high
St. Clairmostly inland floodingVery high
Woodsdalemostly inland floodingHigh
Rossmostly inland floodingHigh
Hamiltonmostly inland floodingModerate
Madisonmostly inland floodingModerate
Fairfieldmostly inland floodingLow
Dunlapmostly inland floodingLow
Fairfieldmostly inland floodingLow
Colerainmostly inland floodingLow
Libertymostly inland floodingLow
West Chestermostly 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. Fairfield covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Fairfield’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Fairfield. 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 Fairfield total about $5.7M 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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