Natural hazards · Penfield

Penfield, OH natural hazards

Most of the natural-hazard damage FEMA expects in Penfield comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Penfield?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Penfield to be higher than in 13% of U.S. communities, mostly from inland flooding.

Inland flooding64%Tornadoes14%Cold waves7%Everything else15%

By hazard

What Penfield 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

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 65 years in the area

Cold waves

7% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Penfield flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lorain County.

Disasters that hit Penfield

Federal disasters declared here

None of the disasters declared for Lorain County shows FEMA aid or repair money reaching Penfield itself in FEMA’s records.

Brought FEMA money into PenfieldDeclared for Lorain County only

Lorain County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Penfield

Penfield and the towns around it

Very lowLowModerateHighVery high

Spencermostly inland floodingLow

Litchfieldmostly inland floodingVery low

LaGrangemostly inland floodingVery low

Penfieldmostly inland floodingVery low

Wellingtonmostly 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. Penfield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Penfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Penfield. 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 Penfield 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.