Natural hazards · Pandora

Pandora, OH natural hazards

Most of the natural-hazard damage FEMA expects in Pandora comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1981. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pandora?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pandora to be higher than in 55% of U.S. communities, mostly from inland flooding.

Inland flooding63%Tornadoes12%Strong wind7%Hail5%Everything else13%

By hazard

What Pandora faces

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

Inland flooding

63% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

12% of expected damage

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

Recorded about once every 26 years in the area

Strong wind

7% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 3 times a year in the area

Hail

5% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 3 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 Pandora flood?

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

3paid claims since 1981

$16Kpaid to owners

1homes flooded more than once

19812026

Biggest named events

Late winter storms: 1 claim, $7K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Putnam County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Pandora

3 federal disasters brought FEMA money here

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

Brought FEMA money into PandoraDeclared for Putnam County only

2012

Severe Storms and Straight-Line Winds

$79K to the Village of Pandora for repairs

2007

Severe Storms, Flooding, and Tornadoes

25 households applied for aid $69K aid approved

2004

Severe Winter Storms, Flooding, and Mudslides

$1K to the Village of Pandora for repairs

Putnam County has had 10 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. Pandora 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 Pandora’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Pandora. 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.