Natural hazards · Smithville

Smithville, OH natural hazards

Most of the natural-hazard damage FEMA expects in Smithville comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Smithville?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Smithville to be higher than in 21% of U.S. communities, mostly from inland flooding.

Inland flooding63%Tornadoes12%Hail7%Strong wind5%Everything else13%

By hazard

What Smithville faces

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

Inland flooding

63% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Tornadoes

12% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 75 years in the area

Hail

7% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 4 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Smithville flood?

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

1paid claims since 1979

$2Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Wayne County.

Disasters that hit Smithville

1 federal disaster brought FEMA money here

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

Brought FEMA money into SmithvilleDeclared for Wayne County only

2004

Severe Winter Storms, Flooding, and Mudslides

$5K to the Village of Smithville for repairs

Wayne County has had 8 natural disasters declared since 1953, most often severe storms and winter storms.

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