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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 very low for a U.S. community. Flood insurance has paid 5 claims here since 1998.

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

How exposed is Fairfield?

13
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fairfield to be higher than in 13% of U.S. communities, mostly from inland flooding.

Inland flooding59%Heat waves7%Drought6%Tornadoes6%Strong wind6%Everything else16%
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

59% of expected damage
Below average · higher than 28% of U.S. places
Recorded about 4 times a year in the area

Heat waves

7% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 3 times a year in the area

Drought

6% of expected damage
Recorded about 5 times a year in the area

Tornadoes

6% of expected damage
Above average · higher than 51% of U.S. places
Recorded about once every 33 years in the area

Strong wind

6% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightning

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.

5paid claims since 1998
$80Kpaid to owners
0homes flooded more than once
19982026

Biggest named events

  • Tropical Storm Ivan: 2 claims, $46K
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: Washington County.
Disasters that hit Fairfield

Federal disasters declared here

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

Brought FEMA money into FairfieldDeclared for Washington County only
Washington County has had 17 natural disasters declared since 1953, most often severe storms and floods.
Around Fairfield

Fairfield and the towns around it

Wesley: Very low, mostly inland floodingPalmer: High, mostly inland floodingBarlow: Very low, mostly inland floodingDecatur: Very low, mostly inland floodingDunham: High, mostly inland floodingWindsor: Very high, mostly inland floodingMarion: High, mostly inland floodingBern: High, mostly inland floodingWatertown: High, mostly inland floodingWarren: Very low, mostly inland floodingRome: High, mostly inland floodingTroy: High, mostly inland floodingBelpre: Low, mostly inland floodingFairfield: Very low, mostly inland flooding FairfieldWesleyPalmerBarlowDecaturDunham
Very lowLowModerateHighVery high
Palmermostly inland floodingHigh
Dunhammostly inland floodingHigh
Fairfieldmostly inland floodingVery low
Wesleymostly inland floodingVery low
Barlowmostly inland floodingVery low
Decaturmostly 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 1 census tract, 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 $897K 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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