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Natural hazards · Findlay

Findlay, OH natural hazards

Most of the natural-hazard damage FEMA expects in Findlay comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1,681 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

How exposed is Findlay?

67
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Findlay to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding65%Tornadoes11%Hail11%Everything else13%
By hazard

What Findlay faces

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

Inland flooding

65% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about once a year in the area

Tornadoes

11% of expected damage
Above average · higher than 74% of U.S. places

Hail

11% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Findlay flood?

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

1,681paid claims since 1978
$36.9Mpaid to owners
208homes flooded more than once
19782026

Biggest named events

  • Late winter storms: 146 claims, $2.6M
  • Tropical Storm Erin: 16 claims, $408K

Homes that flooded again and again

Each house = 4 homes. ■ FEMA “severe repetitive loss” (58) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Findlay isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hancock County.

What’s been done with FEMA grants

97flood-prone properties bought out and cleared
1storm safe rooms built
Disasters that hit Findlay

4 federal disasters brought FEMA money here

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

Brought FEMA money into FindlayDeclared for Hancock County only
2024

Tornadoes

18 households applied for aid
2012

Severe Storms and Straight-Line Winds

$214K to the City of Findlay for repairs
2007

Severe Storms, Flooding, and Tornadoes

2,338 households applied for aid $6.2M aid approved $1.2M to the City of Findlay for repairs
2002

Severe Storms and Tornadoes

1 household applied for aid
Hancock County has had 11 natural disasters declared since 1953, most often severe storms and tornadoes.
Around Findlay

Findlay and the towns around it

Liberty: Moderate, mostly inland floodingMarion: High, mostly inland floodingAllen: Moderate, mostly inland floodingEagle: Moderate, mostly inland floodingBlanchard: High, mostly inland floodingCass: Moderate, mostly inland floodingBiglick: Moderate, mostly inland floodingJackson: High, mostly inland floodingAmanda: High, mostly inland floodingPortage: Moderate, mostly inland floodingHenry: Low, mostly inland floodingUnion: Moderate, mostly inland floodingArlington: High, mostly inland floodingFindlay: High, mostly inland flooding FindlayLibertyMarionAllenEagle
Very lowLowModerateHighVery high
Marionmostly inland floodingHigh
Findlaymostly inland floodingHigh
Eaglemostly inland floodingModerate
Libertymostly inland floodingModerate
Allenmostly inland floodingModerate
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. Findlay covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Findlay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Findlay. 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 Findlay total about $14.4M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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