Natural hazards · Highland

Highland, OH natural hazards

Most of the natural-hazard damage FEMA expects in Highland comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 6 claims here since 2008.

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

Expected damage

How exposed is Highland?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Highland to be higher than in 76% of U.S. communities, mostly from inland flooding.

Inland flooding74%Tornadoes13%Everything else14%

By hazard

What Highland faces

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

Inland flooding

74% of expected damage

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

Recorded about once every 2 years in the area

Tornadoes

13% of expected damage

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

Recorded about once every 32 years in the area

Lower here

HurricanesHailIce 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 Highland flood?

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

6paid claims since 2008

$94Kpaid to owners

0homes flooded more than once

20082026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Defiance County.

Disasters that hit Highland

Federal disasters declared here

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

Brought FEMA money into HighlandDeclared for Defiance County only

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

Around Highland

Highland and the towns around it

Very lowLowModerateHighVery high

Highlandmostly inland floodingHigh

Pleasantmostly inland floodingHigh

Richlandmostly inland floodingHigh

Monroemostly inland floodingHigh

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. Highland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Highland’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Highland. 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 Highland total about $2.4M 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.