Natural hazards · Springfield

Springfield, OH natural hazards

Most of the natural-hazard damage FEMA expects in Springfield comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2021.

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

Expected damage

How exposed is Springfield?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Springfield to be higher than in 48% of U.S. communities, mostly from inland flooding.

Inland flooding70%Tornadoes14%Cold waves6%Everything else11%

By hazard

What Springfield faces

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

Inland flooding

70% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Above average · higher than 74% of U.S. places

Cold waves

6% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Springfield flood?

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

1paid claims since 2021

$5Kpaid to owners

0homes flooded more than once

20212026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lucas County.

Disasters that hit Springfield

Federal disasters declared here

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

Brought FEMA money into SpringfieldDeclared for Lucas County only

Lucas County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Springfield

Springfield and the towns around it

Very lowLowModerateHighVery high

Monclovamostly inland floodingModerate

Springfieldmostly inland floodingModerate

Sylvaniamostly inland floodingModerate

Toledomostly inland floodingLow

Maumeemostly inland floodingLow

Spencermostly 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. Springfield covers 8 census tracts, combined by population.

Money that reached townFlood claims are matched to Springfield’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Springfield. 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 Springfield total about $8.0M 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.