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Natural hazards · St. Marys

St. Marys, OH natural hazards

Most of the natural-hazard damage FEMA expects in St. Marys comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 46 claims here since 1980. 5 federal disasters brought FEMA money into town.

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

How exposed is St. Marys?

40
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Marys to be higher than in 40% of U.S. communities, mostly from inland flooding.

Inland flooding57%Tornadoes15%Earthquakes10%Cold waves5%Everything else14%
By hazard

What St. Marys faces

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

Inland flooding

57% of expected damage
Below average · higher than 48% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

15% of expected damage
Well above average · higher than 83% of U.S. places

Earthquakes

10% of expected damage
Well above average · higher than 75% of U.S. places

Cold waves

5% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 St. Marys flood?

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

46paid claims since 1980
$884Kpaid to owners
4homes flooded more than once
19802026

Biggest named events

  • Late winter storms: 21 claims, $597K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of all homes
are insured
No community discount. St. Marys isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Auglaize County.

What’s been done with FEMA grants

41flood-prone properties bought out and cleared
Disasters that hit St. Marys

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in St. Marys itself: aid to households, or repair grants to the City of St. Marys.

Brought FEMA money into St. MarysDeclared for Auglaize County only
2024

Tornadoes

16 households applied for aid $29K aid approved
2019

Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslide

3 households applied for aid
2004

Severe Winter Storms, Flooding, and Mudslides

204 households applied for aid $120K aid approved
2003

Severe Storms and Flooding

14 households applied for aid $19K aid approved
2002

Severe Storms and Tornadoes

3 households applied for aid
Auglaize County has had 10 natural disasters declared since 1953, most often severe storms and tornadoes.
Around St. Marys

St. Marys and the towns around it

St. Marys: Moderate, mostly inland floodingNoble: Moderate, mostly inland floodingFranklin: Moderate, mostly inland floodingWashington: Low, mostly inland floodingGerman: Low, mostly inland floodingSalem: Moderate, mostly inland floodingCenter: Low, mostly inland floodingSt. Marys: Moderate, mostly inland flooding St. MarysSt. MarysNoble
Very lowLowModerateHighVery high
Noblemostly inland floodingModerate
St. Marysmostly inland floodingModerate
St. Marysmostly 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. St. Marys covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to St. Marys’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Marys. 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 St. Marys total about $1.5M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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