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Natural hazards · Waterford

Waterford, OH natural hazards

Most of the natural-hazard damage FEMA expects in Waterford comes from inland flooding, and overall the risk is high for a U.S. community. 7 federal disasters brought FEMA money into town.

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

How exposed is Waterford?

66
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Waterford to be higher than in 66% of U.S. communities, mostly from inland flooding.

Inland flooding72%Drought11%Everything else17%
By hazard

What Waterford faces

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

Inland flooding

72% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about 4 times a year in the area

Drought

11% of expected damage
Recorded about 7 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Waterford flood?

FEMA's records show no paid flood insurance claims in Waterford.

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

7 federal disasters brought FEMA money here

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

Brought FEMA money into WaterfordDeclared for Washington County only
2019

Severe Storms, Flooding, and Landslides

$699K to the Township of Waterford for repairs
2018

Severe Storms, Landslides, and Mudslides

$202K to the Township of Waterford for repairs
2011

Severe Storms and Flooding

$16K to the Township of Waterford for repairs
2004

Severe Winter Storms, Flooding, and Mudslides

1 household applied for aid $370 aid approved $19K to the Township of Waterford for repairs
2004

Severe Storms and Flooding

5 households applied for aid $11K aid approved $35K to the Township of Waterford for repairs
2004

Severe Storms, Flooding, Mudslides, and Landslides

5 households applied for aid $1K aid approved
2003

Severe Winter Storm and Record/Near Record Snow

$5K to the Township of Waterford for repairs
Washington County has had 17 natural disasters declared since 1953, most often severe storms and floods.
Around Waterford

Waterford and the towns around it

Windsor: Very high, mostly inland floodingWatertown: High, mostly inland floodingAdams: Very high, mostly inland floodingCenter: Very high, mostly inland floodingMeigsville: Very high, mostly inland floodingPalmer: High, mostly inland floodingPenn: High, mostly inland floodingWesley: Very low, mostly inland floodingMarion: High, mostly inland floodingMalta: Moderate, mostly inland floodingMorgan: High, mostly inland floodingBarlow: Very low, mostly inland floodingWarren: Very low, mostly inland floodingMuskingum: Moderate, mostly inland floodingJackson: Low, mostly inland floodingSalem: Very high, mostly inland floodingSharon: Low, mostly inland floodingManchester: Very high, mostly inland floodingWaterford: High, mostly inland flooding WaterfordWindsorWatertownAdamsCenter
Very lowLowModerateHighVery high
Adamsmostly inland floodingVery high
Windsormostly inland floodingVery high
Centermostly inland floodingVery high
Waterfordmostly inland floodingHigh
Watertownmostly inland floodingHigh
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. Waterford is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Waterford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Waterford. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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/15 · 2025-01-01
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