Natural hazards · Wayne Lakes

Wayne Lakes, OH natural hazards

Most of the natural-hazard damage FEMA expects in Wayne Lakes comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Wayne Lakes?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wayne Lakes to be higher than in 30% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes26%Earthquakes7%Strong wind6%Everything else9%

By hazard

What Wayne Lakes faces

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

Inland flooding

52% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

26% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 23 years in the area

Earthquakes

7% of expected damage

Above average · higher than 67% of U.S. places

Strong wind

6% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightning

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 Wayne Lakes flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Darke County.

Disasters that hit Wayne Lakes

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Wayne Lakes itself: aid to households, or repair grants to the Village of Wayne Lakes.

Brought FEMA money into Wayne LakesDeclared for Darke County only

2004

Severe Winter Storms, Flooding, and Mudslides

$1K to the Village of Wayne Lakes for repairs

2004

Snow

$2K to the Village of Wayne Lakes for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$1K to the Village of Wayne Lakes for repairs

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

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. Wayne Lakes 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 Wayne Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Wayne Lakes. 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.