Natural hazards · Girard

Girard, OH natural hazards

Most of the natural-hazard damage FEMA expects in Girard comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 1990. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Girard?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Girard to be higher than in 22% of U.S. communities, mostly from inland flooding.

Inland flooding66%Tornadoes15%Strong wind7%Everything else13%

By hazard

What Girard faces

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

Inland flooding

66% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

15% of expected damage

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

Strong wind

7% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Girard flood?

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

7paid claims since 1990

$37Kpaid to owners

1homes flooded more than once

19902026

Biggest named events

Tropical Storm Ivan: 1 claim, $3K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Trumbull County.

What’s been done with FEMA grants

7flood-prone properties bought out and cleared

Disasters that hit Girard

2 federal disasters brought FEMA money here

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

Brought FEMA money into GirardDeclared for Trumbull County only

2004

Severe Storms and Flooding

18 households applied for aid $24K aid approved

2003

Tornadoes, Flooding, Severe Storms, and High Winds

629 households applied for aid $1.1M aid approved $1.2M to the City of Girard for repairs

Trumbull County has had 9 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Girard

Girard and the towns around it

Very lowLowModerateHighVery high

Weathersfieldmostly inland floodingLow

Girardmostly inland floodingLow

Libertymostly inland floodingVery low

McKinley Heightsmostly inland floodingVery low

McDonaldmostly inland floodingVery low

Youngstownmostly inland floodingVery low

Viennamostly 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. Girard covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Girard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Girard. 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 Girard total about $2.1M 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.