Natural hazards · Lafayette

Lafayette, OH natural hazards

Most of the natural-hazard damage FEMA expects in Lafayette comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lafayette?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lafayette to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding71%Tornadoes9%Earthquakes5%Everything else15%

By hazard

What Lafayette faces

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

Inland flooding

71% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

9% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 45 years in the area

Earthquakes

5% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Lafayette flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Allen County.

Disasters that hit Lafayette

1 federal disaster brought FEMA money here

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

Brought FEMA money into LafayetteDeclared for Allen County only

2004

Severe Winter Storms, Flooding, and Mudslides

$23K to the Village of Lafayette for repairs

Allen County has had 7 natural disasters declared since 1953, most often severe storms and hurricanes.

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. Lafayette 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 Lafayette’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Lafayette. 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.