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Natural hazards · Toronto

Toronto, OH natural hazards

Most of the natural-hazard damage FEMA expects in Toronto comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 9 claims here since 1996. 5 federal disasters brought FEMA money into town.

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

How exposed is Toronto?

83
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Toronto to be higher than in 83% of U.S. communities, mostly from inland flooding.

Inland flooding90%Everything else10%
By hazard

What Toronto faces

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

Inland flooding

90% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Toronto flood?

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

9paid claims since 1996
$616Kpaid to owners
2homes flooded more than once
19962026

Biggest named events

  • Tropical Storm Ivan: 5 claims, $499K

Homes that flooded again and again

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

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

What’s been done with FEMA grants

3flood-prone properties bought out and cleared
Disasters that hit Toronto

5 federal disasters brought FEMA money here

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

Brought FEMA money into TorontoDeclared for Jefferson County only
2011

Severe Storms and Flooding

$45K to the City of Toronto for repairs
2004

Severe Winter Storms, Flooding, and Mudslides

7 households applied for aid $5K aid approved $45K to the City of Toronto for repairs
2004

Severe Storms and Flooding

57 households applied for aid $95K aid approved $27K to the City of Toronto for repairs
2004

Severe Storms, Flooding, Mudslides, and Landslides

2 households applied for aid $6K aid approved
2003

Tornadoes, Flooding, Severe Storms, and High Winds

2 households applied for aid
Jefferson County has had 18 natural disasters declared since 1953, most often severe storms and floods.
Around Toronto

Toronto and the towns around it

Knox: High, mostly inland floodingIsland Creek: Moderate, mostly inland floodingWeirton: High, mostly inland floodingNew Cumberland: Very high, mostly inland floodingSaline: Moderate, mostly inland floodingRoss: Moderate, mostly inland floodingSalem: Very low, mostly inland floodingSteubenville: Very low, mostly inland floodingCross Creek: Very low, mostly inland floodingPottery Addition: Very low, mostly inland floodingWintersville: Very low, mostly inland floodingColliers: High, mostly inland floodingHanover: Very low, mostly inland floodingToronto: Very high, mostly inland flooding TorontoKnoxIsland CreekWeirton
Very lowLowModerateHighVery high
Torontomostly inland floodingVery high
Knoxmostly inland floodingHigh
Weirtonmostly inland floodingHigh
Island Creekmostly 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. Toronto covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Toronto’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Toronto. 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 Toronto total about $2.6M 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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