Natural hazards · Rayland

Rayland, OH natural hazards

Most of the natural-hazard damage FEMA expects in Rayland comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 12 claims here since 1996. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Rayland?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rayland to be higher than in 91% of U.S. communities, mostly from inland flooding.

Inland flooding94%Everything else6%

By hazard

What Rayland faces

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

Inland flooding

94% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Rayland flood?

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

12paid claims since 1996

$169Kpaid to owners

2homes flooded more than once

19962026

Biggest named events

Tropical Storm Ivan: 5 claims, $110K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

What’s been done with FEMA grants

5flood-prone properties bought out and cleared

Disasters that hit Rayland

6 federal disasters brought FEMA money here

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

Brought FEMA money into RaylandDeclared for Jefferson County only

2019

Severe Storms, Flooding, and Landslides

$172K to the Village of Rayland for repairs

2018

Severe Storms, Landslides, and Mudslides

$9K to the Village of Rayland for repairs

2004

Severe Winter Storms, Flooding, and Mudslides

13 households applied for aid $18K aid approved

2004

Severe Storms and Flooding

167 households applied for aid $524K aid approved $15K to the Village of Rayland for repairs

2004

Severe Storms, Flooding, Mudslides, and Landslides

7 households applied for aid $6K aid approved

2003

Tornadoes, Flooding, Severe Storms, and High Winds

3 households applied for aid $6K aid approved

Jefferson County has had 18 natural disasters declared since 1953, most often severe storms and floods.

Around Rayland

Rayland and the towns around it

Very lowLowModerateHighVery high

Raylandmostly inland floodingVery high

Tiltonsvillemostly inland floodingVery high

Warrenmostly inland floodingVery high

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