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.

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 40% of U.S. communities, mostly from inland flooding.

Inland flooding69%Tornadoes13%Everything else18%

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

69% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 40 years in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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?

FEMA's records show no paid flood insurance claims in Florence.

of homes in flood zones
are insured

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: Erie County.

Disasters that hit Florence

Federal disasters declared here

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

Brought FEMA money into FlorenceDeclared for Erie County only

Erie County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.

Around Florence

Florence and the towns around it

Very lowLowModerateHighVery high

Florencemostly inland floodingModerate

Berlinmostly inland floodingModerate

Wakemanmostly inland floodingLow

Henriettamostly 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 is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Florence’s own flood-insurance community; 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.

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.