Natural hazards · Waterville

Waterville, OH natural hazards

Most of the natural-hazard damage FEMA expects in Waterville comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2025.

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

Expected damage

How exposed is Waterville?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Waterville to be higher than in 28% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding63%Tornadoes17%Cold waves7%Everything else13%

By hazard

What Waterville faces

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

Inland flooding

63% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

Above average · higher than 74% of U.S. places

Cold waves

7% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Waterville flood?

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

1paid claims since 2025

$2Kpaid to owners

0homes flooded more than once

20252026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lucas County.

Disasters that hit Waterville

Federal disasters declared here

None of the disasters declared for Lucas County shows FEMA aid or repair money reaching Waterville itself in FEMA’s records.

Brought FEMA money into WatervilleDeclared for Lucas County only

Lucas County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Waterville

Waterville and the towns around it

Very lowLowModerateHighVery high

Middletonmostly inland floodingHigh

Watervillemostly inland floodingHigh

Washingtonmostly inland floodingHigh

Monclovamostly inland floodingModerate

Providencemostly inland floodingModerate

Watervillemostly inland floodingLow

Whitehousemostly inland floodingLow

Perrysburgmostly inland floodingLow

Swantonmostly 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. Waterville covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Waterville’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Waterville. 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 Waterville total about $1.6M 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.