Natural hazards · Kirtland

Kirtland, OH natural hazards

Most of the natural-hazard damage FEMA expects in Kirtland comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1989. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Kirtland?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kirtland to be higher than in 21% of U.S. communities, mostly from inland flooding.

Inland flooding80%Tornadoes7%Everything else14%

By hazard

What Kirtland faces

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

Inland flooding

80% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once a year in the area

Tornadoes

7% of expected damage

Above average · higher than 51% of U.S. places

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 Kirtland flood?

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

1paid claims since 1989

$4Kpaid to owners

0homes flooded more than once

19892026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lake County.

Disasters that hit Kirtland

2 federal disasters brought FEMA money here

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

Brought FEMA money into KirtlandDeclared for Lake County only

2008

Record Snow and Near Record Snow

$33K to the City of Kirtland for repairs

2006

Severe Storms, Straight Line Winds, and Flooding

24 households applied for aid $22K aid approved $71K to the City of Kirtland for repairs

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

Around Kirtland

Kirtland and the towns around it

Very lowLowModerateHighVery high

Kirtland Hillsmostly inland floodingLow

Willoughby Hillsmostly inland floodingLow

Kirtlandmostly inland floodingLow

Chardonmostly inland floodingLow

Waite Hillmostly inland floodingVery low

Willoughbymostly inland floodingVery low

Mentormostly inland floodingVery low

Chestermostly 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. Kirtland covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Kirtland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Kirtland. 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 Kirtland total about $2.3M 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.