Natural hazards · Florence

Florence, OH natural hazards

Most of the natural-hazard damage FEMA expects in Florence comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 14 claims here since 1993.

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

Expected damage

How exposed is Florence?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florence to be higher than in 53% of U.S. communities, mostly from inland flooding.

Inland flooding65%Tornadoes14%Strong wind7%Everything else15%

By hazard

What Florence 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

Above average · higher than 69% of U.S. places

Recorded about once every 5 years in the area

Tornadoes

14% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 19 years in the area

Strong wind

7% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Florence flood?

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

14paid claims since 1993

$139Kpaid to owners

0homes flooded more than once

19932026

of all homes
are insured

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

Insurance rates: Williams County.

Disasters that hit Florence

Federal disasters declared here

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

Brought FEMA money into FlorenceDeclared for Williams County only

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

Around Florence

Florence and the towns around it

Very lowLowModerateHighVery high

Florencemostly inland floodingModerate

Superiormostly inland floodingModerate

Northwestmostly inland floodingModerate

St. Josephmostly inland floodingLow

Richlandmostly 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. Florence covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Florence’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Florence. 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 Florence total about $1.9M 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.