Natural hazards · Payne

Payne, OH natural hazards

Most of the natural-hazard damage FEMA expects in Payne comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 1985. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Payne?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Payne to be higher than in 36% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding59%Tornadoes19%Strong wind7%Everything else16%

By hazard

What Payne faces

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

Inland flooding

59% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

19% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 13 years in the area

Strong wind

7% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce 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 Payne flood?

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

4paid claims since 1985

$22Kpaid to owners

0homes flooded more than once

19852026

of all homes
are insured

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

Insurance rates: Paulding County.

Disasters that hit Payne

2 federal disasters brought FEMA money here

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

Brought FEMA money into PayneDeclared for Paulding County only

2012

Severe Storms and Straight-Line Winds

$23K to the Village of Payne for repairs

2002

Severe Storms and Tornadoes

1 household applied for aid

Paulding County has had 10 natural disasters declared since 1953, most often severe storms and floods.

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