Natural hazards · Ludlow Falls

Ludlow Falls, OH natural hazards

Most of the natural-hazard damage FEMA expects in Ludlow Falls comes from inland flooding, and overall the risk is very low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ludlow Falls?

Very low

vs. U.S. communities

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

Inland flooding55%Tornadoes17%Earthquakes7%Cold waves6%Strong wind6%Everything else9%

By hazard

What Ludlow Falls faces

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

Inland flooding

55% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 33 years in the area

Earthquakes

7% of expected damage

Above average · higher than 60% of U.S. places

Cold waves

6% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 5 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Ludlow Falls flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Miami County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Ludlow Falls

2 federal disasters brought FEMA money here

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

Brought FEMA money into Ludlow FallsDeclared for Miami County only

2019

Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslide

39 households applied for aid $18K aid approved

2004

Severe Winter Storms, Flooding, and Mudslides

2 households applied for aid $2K aid approved

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

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