Natural hazards · Trotwood

Trotwood, OH natural hazards

Most of the natural-hazard damage FEMA expects in Trotwood comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 10 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Trotwood?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Trotwood to be higher than in 35% of U.S. communities, mostly from inland flooding.

Inland flooding67%Cold waves9%Tornadoes7%Earthquakes6%Everything else11%

By hazard

What Trotwood faces

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

Inland flooding

67% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 2 times a year in the area

Cold waves

9% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

7% of expected damage

Below average · higher than 46% of U.S. places

Earthquakes

6% of expected damage

Above average · higher than 60% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

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 Trotwood flood?

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

10paid claims since 1979

$107Kpaid to owners

1homes flooded more than once

19792026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Montgomery County.

Disasters that hit Trotwood

5 federal disasters brought FEMA money here

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

Brought FEMA money into TrotwoodDeclared for Montgomery County only

2019

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

912 households applied for aid $1.2M aid approved $706K to the City of Trotwood for repairs

2008

Severe Wind Storm Associated With Tropical Depression Ike

$182K to the City of Trotwood for repairs

2004

Severe Winter Storms, Flooding, and Mudslides

$60K to the City of Trotwood for repairs

2004

Snow

$36K to the City of Trotwood for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$14K to the City of Trotwood for repairs

Montgomery County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.

Around Trotwood

Trotwood and the towns around it

Very lowLowModerateHighVery high

Daytonmostly inland floodingLow

Trotwoodmostly inland floodingLow

Shilohmostly inland floodingLow

Claytonmostly inland floodingVery low

Harrisonmostly inland floodingVery low

Perrymostly inland floodingVery low

Fort McKinleymostly 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. Trotwood covers 8 census tracts, combined by population.

Money that reached townFlood claims are matched to Trotwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Trotwood. 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 Trotwood total about $5.1M 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.