Natural hazards · Lyme

Lyme, OH natural hazards

Most of the natural-hazard damage FEMA expects in Lyme 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 Lyme?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lyme to be higher than in 41% of U.S. communities, mostly from inland flooding.

Inland flooding64%Tornadoes12%Strong wind6%Lightning5%Everything else14%

By hazard

What Lyme faces

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

Inland flooding

64% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once a year in the area

Tornadoes

12% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 23 years in the area

Strong wind

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Lightning

5% of expected damage

Above average · higher than 61% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslides

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 Lyme flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Huron County.

Disasters that hit Lyme

1 federal disaster brought FEMA money here

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

Brought FEMA money into LymeDeclared for Huron County only

2008

Record Snow and Near Record Snow

$3K to the Township of Lyme for repairs

Huron County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.

Around Lyme

Lyme and the towns around it

Very lowLowModerateHighVery high

Grotonmostly inland floodingModerate

Lymemostly inland floodingModerate

Ridgefieldmostly inland floodingModerate

Shermanmostly inland floodingModerate

Bellevuemostly inland floodingLow

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