Natural hazards · Farmer

Farmer, OH natural hazards

Most of the natural-hazard damage FEMA expects in Farmer comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1998.

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

Expected damage

How exposed is Farmer?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Farmer to be higher than in 40% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding58%Tornadoes20%Strong wind6%Cold waves5%Everything else11%

By hazard

What Farmer faces

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

Inland flooding

58% of expected damage

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

Recorded about once every 2 years in the area

Tornadoes

20% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 14 years in the area

Strong wind

6% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 4 times a year in the area

Cold waves

5% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 3 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 Farmer flood?

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

1paid claims since 1998

$20Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Defiance County.

Disasters that hit Farmer

Federal disasters declared here

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

Brought FEMA money into FarmerDeclared for Defiance County only

Defiance County has had 6 natural disasters declared since 1953, most often severe storms and winter storms.

Around Farmer

Farmer and the towns around it

Very lowLowModerateHighVery high

Markmostly inland floodingModerate

Farmermostly inland floodingModerate

Washingtonmostly inland floodingModerate

Milfordmostly inland floodingModerate

Centermostly 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. Farmer covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Farmer’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Farmer. 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 Farmer total about $1.4M 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.