Natural hazards · Lodi

Lodi, OH natural hazards

Most of the natural-hazard damage FEMA expects in Lodi comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2013.

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

Expected damage

How exposed is Lodi?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lodi to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding75%Heat waves7%Everything else18%

By hazard

What Lodi faces

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

Inland flooding

75% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 3 times a year in the area

Heat waves

7% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Lodi flood?

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

2paid claims since 2013

$10Kpaid to owners

0homes flooded more than once

20132026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Athens County.

Disasters that hit Lodi

Federal disasters declared here

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

Brought FEMA money into LodiDeclared for Athens County only

Athens County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Lodi

Lodi and the towns around it

Very lowLowModerateHighVery high

Lodimostly inland floodingModerate

Carthagemostly inland floodingModerate

Alexandermostly inland floodingModerate

Bedfordmostly inland floodingModerate

Canaanmostly inland floodingModerate

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. Lodi covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lodi’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Lodi. 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 Lodi total about $898K 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.