Natural hazards · Sheffield

Sheffield, OH natural hazards

Most of the natural-hazard damage FEMA expects in Sheffield comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 1989.

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

Expected damage

How exposed is Sheffield?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sheffield to be higher than in 10% of U.S. communities, mostly from inland flooding.

Inland flooding66%Tornadoes13%Cold waves6%Everything else15%

By hazard

What Sheffield 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

Well below average · higher than 20% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 62% of U.S. places

Cold waves

6% of expected damage

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

Recorded about 4 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat 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 Sheffield flood?

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

3paid claims since 1989

$12Kpaid to owners

1homes flooded more than once

19892026

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. Sheffield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lorain County.

Disasters that hit Sheffield

Federal disasters declared here

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

Brought FEMA money into SheffieldDeclared for Lorain County only

Lorain County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Sheffield

Sheffield and the towns around it

Very lowLowModerateHighVery high

Elyriamostly inland floodingLow

Lorainmostly inland floodingVery low

Sheffieldmostly inland floodingVery low

Avonmostly inland floodingVery low

Avon Lakemostly inland floodingVery low

Sheffieldmostly inland floodingVery low

Sheffield Lakemostly inland floodingVery low

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. Sheffield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Sheffield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Sheffield. 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 Sheffield total about $1.2M 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.