Natural hazards · Richland

Richland, OH natural hazards

Most of the natural-hazard damage FEMA expects in Richland comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 62 claims here since 1979.

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

Expected damage

How exposed is Richland?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Richland to be higher than in 31% of U.S. communities, mostly from inland flooding.

Inland flooding67%Tornadoes11%Earthquakes7%Strong wind5%Everything else10%

By hazard

What Richland 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

Below average · higher than 46% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

11% of expected damage

Above average · higher than 72% of U.S. places

Earthquakes

7% of expected damage

Above average · higher than 63% of U.S. places

Strong wind

5% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightning

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 Richland flood?

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

62paid claims since 1979

$1.3Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Late winter storms: 7 claims, $147K
Tropical Storm Erin: 2 claims, $88K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Allen County.

Disasters that hit Richland

Federal disasters declared here

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

Brought FEMA money into RichlandDeclared for Allen County only

Allen County has had 7 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Richland

Richland and the towns around it

Very lowLowModerateHighVery high

Orangemostly inland floodingModerate

Pleasantmostly inland floodingModerate

Rileymostly inland floodingModerate

Jacksonmostly inland floodingModerate

Monroemostly inland floodingLow

Richlandmostly inland floodingLow

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. Richland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Richland’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Richland. 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 Richland total about $1.1M 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.