Natural hazards · Ottawa Hills

Ottawa Hills, OH natural hazards

Most of the natural-hazard damage FEMA expects in Ottawa Hills comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1981. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Ottawa Hills?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ottawa Hills to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding79%Tornadoes10%Everything else11%

By hazard

What Ottawa Hills faces

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

Inland flooding

79% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

10% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Ottawa Hills flood?

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

4paid claims since 1981

$36Kpaid to owners

0homes flooded more than once

19812026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lucas County.

Disasters that hit Ottawa Hills

1 federal disaster brought FEMA money here

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

Brought FEMA money into Ottawa HillsDeclared for Lucas County only

2006

Severe Storms, Tornadoes, Straight Line Winds, and Flooding

12 households applied for aid $11K aid approved

Lucas County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Ottawa Hills

Ottawa Hills and the towns around it

Very lowLowModerateHighVery high

Ottawa Hillsmostly inland floodingHigh

Sylvaniamostly inland floodingModerate

Toledomostly 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. Ottawa Hills covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ottawa Hills’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Ottawa Hills. 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 Ottawa Hills total about $2.5M 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.