Natural hazards · Put-in-Bay

Put-in-Bay, OH natural hazards

Most of the natural-hazard damage FEMA expects in Put-in-Bay comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 8 claims here since 1978.

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

Expected damage

How exposed is Put-in-Bay?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Put-in-Bay to be higher than in 20% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding66%Tornadoes17%Strong wind5%Everything else12%

By hazard

What Put-in-Bay faces

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

Inland flooding

66% of expected damage

Below average · higher than 29% of U.S. places

Recorded about once a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 14 years in the area

Strong wind

5% of expected damage

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

Recorded about 3 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Put-in-Bay flood?

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

8paid claims since 1978

$71Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ottawa County.

Disasters that hit Put-in-Bay

Federal disasters declared here

None of the disasters declared for Ottawa County shows FEMA aid or repair money reaching Put-in-Bay itself in FEMA’s records.

Brought FEMA money into Put-in-BayDeclared for Ottawa County only

Ottawa County has had 11 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. Put-in-Bay 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 Put-in-Bay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Put-in-Bay. 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.