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Natural hazards · Ontario

Ontario, OH natural hazards

Most of the natural-hazard damage FEMA expects in Ontario comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 1981. 5 federal disasters brought FEMA money into town.

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

How exposed is Ontario?

2
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ontario to be higher than in 2% of U.S. communities, mostly from inland flooding.

Inland flooding56%Tornadoes11%Hail10%Strong wind6%Everything else17%
By hazard

What Ontario faces

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

Inland flooding

56% of expected damage
Well below average · higher than 4% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

11% of expected damage
Above average · higher than 52% of U.S. places

Hail

10% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 4 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Ontario flood?

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

1paid claims since 1981
$1Kpaid to owners
0homes flooded more than once
19812026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Ontario isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Richland County.
Disasters that hit Ontario

5 federal disasters brought FEMA money here

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

Brought FEMA money into OntarioDeclared for Richland County only
2024

Tornadoes

1 household applied for aid
2008

Record Snow and Near Record Snow

$26K to the City of Ontario for repairs
2007

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $3K aid approved $17K to the City of Ontario for repairs
2004

Severe Winter Storms, Flooding, and Mudslides

$54K to the City of Ontario for repairs
2004

Snow

$30K to the City of Ontario for repairs
Richland County has had 15 natural disasters declared since 1953, most often severe storms and winter storms.
Around Ontario

Ontario and the towns around it

Springfield: Very low, mostly inland floodingMansfield: Very low, mostly inland floodingTroy: Very low, mostly inland floodingSandusky: Very low, mostly inland floodingJackson: Very low, mostly inland floodingMadison: Very low, mostly inland floodingSharon: Low, mostly inland floodingWashington: Very low, mostly inland floodingFranklin: Very low, mostly inland floodingWeller: Very low, mostly inland floodingRoseland: Very low, mostly inland floodingLincoln Heights: Very low, mostly inland floodingOntario: Very low, mostly inland flooding OntarioSpringfieldMansfield
Very lowLowModerateHighVery high
Mansfieldmostly inland floodingVery low
Springfieldmostly inland floodingVery low
Ontariomostly 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. Ontario covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Ontario’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ontario. 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 Ontario total about $1.2M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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