Natural hazards · Somerford

Somerford, OH natural hazards

Most of the natural-hazard damage FEMA expects in Somerford comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1979. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Somerford?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Somerford to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding71%Tornadoes10%Strong wind5%Everything else14%

By hazard

What Somerford faces

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

Inland flooding

71% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once a year in the area

Tornadoes

10% of expected damage

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

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

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Somerford flood?

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

3paid claims since 1979

$6Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Madison County.

Disasters that hit Somerford

2 federal disasters brought FEMA money here

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

Brought FEMA money into SomerfordDeclared for Madison County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$14K to the Township of Somerford for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$1K to the Township of Somerford for repairs

Madison County has had 10 natural disasters declared since 1953, most often severe storms and winter storms.

Around Somerford

Somerford and the towns around it

Very lowLowModerateHighVery high

Somerfordmostly inland floodingModerate

Pikemostly inland floodingModerate

Deer Creekmostly inland floodingLow

Monroemostly inland floodingLow

Goshenmostly inland floodingLow

Pleasantmostly inland floodingVery low

Unionmostly 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. Somerford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Somerford’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Somerford. 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 Somerford total about $943K 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.