Natural hazards · Harpersfield

Harpersfield, OH natural hazards

Most of the natural-hazard damage FEMA expects in Harpersfield comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 48 claims here since 1979. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harpersfield?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harpersfield to be higher than in 26% of U.S. communities, mostly from inland flooding.

Inland flooding72%Tornadoes12%Strong wind6%Everything else10%

By hazard

What Harpersfield faces

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

Inland flooding

72% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once every 80 years in the area

Strong wind

6% of expected damage

Well above average · higher than 86% 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 Harpersfield flood?

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

48paid claims since 1979

$1.0Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Late winter storms: 1 claim, $8K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ashtabula County.

Disasters that hit Harpersfield

2 federal disasters brought FEMA money here

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

Brought FEMA money into HarpersfieldDeclared for Ashtabula County only

2008

Record Snow and Near Record Snow

$5K to the Township of Harpersfield for repairs

2006

Severe Storms, Straight Line Winds, and Flooding

$37K to the Township of Harpersfield for repairs

Ashtabula County has had 12 natural disasters declared since 1953, most often severe storms and winter storms.

Around Harpersfield

Harpersfield and the towns around it

Very lowLowModerateHighVery high

Harpersfieldmostly inland floodingLow

Austinburgmostly inland floodingLow

Trumbullmostly inland floodingLow

Genevamostly inland floodingVery low

Madisonmostly 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. Harpersfield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harpersfield’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Harpersfield. 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 Harpersfield total about $1.1M 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.