Natural hazards · Salem

Salem, OH natural hazards

Most of the natural-hazard damage FEMA expects in Salem comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 12 claims here since 1980.

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

Expected damage

How exposed is Salem?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Salem to be higher than in 86% of U.S. communities, mostly from inland flooding.

Inland flooding81%Tornadoes8%Everything else11%

By hazard

What Salem faces

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

Inland flooding

81% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

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

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Salem flood?

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

12paid claims since 1980

$97Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Salem 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 Salem

Federal disasters declared here

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

Brought FEMA money into SalemDeclared for Ottawa County only

Ottawa County has had 11 natural disasters declared since 1953, most often severe storms and floods.

Around Salem

Salem and the towns around it

Very lowLowModerateHighVery high

Salemmostly inland floodingVery high

Baymostly inland floodingHigh

Harrismostly inland floodingHigh

Carrollmostly inland floodingHigh

Eriemostly inland floodingModerate

Ricemostly inland floodingModerate

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. Salem covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Salem’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Salem. 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 Salem total about $2.4M 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.