Natural hazards · Philo

Philo, OH natural hazards

Most of the natural-hazard damage FEMA expects in Philo comes from inland flooding, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Philo?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Philo to be higher than in 76% of U.S. communities, mostly from inland flooding.

Inland flooding87%Everything else13%

By hazard

What Philo faces

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

Inland flooding

87% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Philo flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Muskingum County.

Disasters that hit Philo

3 federal disasters brought FEMA money here

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

Brought FEMA money into PhiloDeclared for Muskingum County only

2012

Severe Storms and Straight-Line Winds

$12K to the Village of Philo for repairs

2004

Severe Winter Storms, Flooding, and Mudslides

9 households applied for aid $43K aid approved

2004

Severe Storms and Flooding

6 households applied for aid $21K aid approved

Muskingum County has had 14 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. Philo 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 Philo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Philo. 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.