Natural hazards · Loramie

Loramie, OH natural hazards

Most of the natural-hazard damage FEMA expects in Loramie comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 1995. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Loramie?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loramie to be higher than in 17% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding48%Earthquakes18%Tornadoes15%Everything else20%

By hazard

What Loramie faces

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

Inland flooding

48% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

18% of expected damage

Well above average · higher than 77% of U.S. places

Tornadoes

15% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 19 years in the area

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 Loramie flood?

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

1paid claims since 1995

$12Kpaid to owners

0homes flooded more than once

19952026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Shelby County.

Disasters that hit Loramie

1 federal disaster brought FEMA money here

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

Brought FEMA money into LoramieDeclared for Shelby County only

2004

Snow

$2K to the Township of Loramie for repairs

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

Around Loramie

Loramie and the towns around it

Very lowLowModerateHighVery high

Waynemostly inland floodingLow

Cynthianmostly inland floodingLow

Newberrymostly inland floodingLow

Loramiemostly inland floodingVery low

Washingtonmostly 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. Loramie covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Loramie’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Loramie. 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 Loramie total about $1.9M 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.