Natural hazards · Waterloo

Waterloo, OH natural hazards

Most of the natural-hazard damage FEMA expects in Waterloo comes from inland flooding, and overall the risk is very low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Waterloo?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Waterloo to be higher than in 15% of U.S. communities, mostly from inland flooding.

Inland flooding60%Heat waves9%Tornadoes7%Strong wind6%Everything else18%

By hazard

What Waterloo faces

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

Inland flooding

60% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 3 times a year in the area

Heat waves

9% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once every 48 years in the area

Strong wind

6% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightningDrought

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 Waterloo flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Athens County.

Disasters that hit Waterloo

1 federal disaster brought FEMA money here

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

Brought FEMA money into WaterlooDeclared for Athens County only

2004

Severe Storms, Flooding, Mudslides, and Landslides

$10K to the Township of Waterloo for repairs

Athens County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Waterloo

Waterloo and the towns around it

Very lowLowModerateHighVery high

Yorkmostly inland floodingVery high

Athensmostly inland floodingHigh

Brownmostly inland floodingHigh

Knoxmostly inland floodingModerate

Waterloomostly inland floodingVery low

Leemostly 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. Waterloo 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 Waterloo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Waterloo. 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.