Natural hazards · Prospect

Prospect, OH natural hazards

Most of the natural-hazard damage FEMA expects in Prospect comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 55 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Prospect?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Prospect to be higher than in 68% of U.S. communities, mostly from inland flooding.

Inland flooding67%Cold waves15%Tornadoes6%Everything else12%

By hazard

What Prospect faces

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

Inland flooding

67% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

15% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 27 years 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 Prospect flood?

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

55paid claims since 1978

$392Kpaid to owners

6homes flooded more than once

19782026

Biggest named events

Late winter storms: 3 claims, $14K
Central U.S. April Flooding: 1 claim, $4K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Marion County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Prospect

1 federal disaster brought FEMA money here

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

Brought FEMA money into ProspectDeclared for Marion County only

2008

Record Snow and Near Record Snow

$2K to the Village of Prospect for repairs

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