Natural hazards · Westfield

Westfield, OH natural hazards

Most of the natural-hazard damage FEMA expects in Westfield comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2022.

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

Expected damage

How exposed is Westfield?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Westfield to be higher than in 49% of U.S. communities, mostly from inland flooding.

Inland flooding73%Tornadoes9%Everything else18%

By hazard

What Westfield faces

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

Inland flooding

73% of expected damage

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

Recorded about once a year in the area

Tornadoes

9% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 25 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Westfield flood?

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

1paid claims since 2022

$9Kpaid to owners

0homes flooded more than once

20222026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Morrow County.

Disasters that hit Westfield

Federal disasters declared here

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

Brought FEMA money into WestfieldDeclared for Morrow County only

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

Around Westfield

Westfield and the towns around it

Very lowLowModerateHighVery high

Richlandmostly inland floodingHigh

Waldomostly inland floodingHigh

Westfieldmostly inland floodingModerate

Cardingtonmostly inland floodingModerate

Lincolnmostly inland floodingModerate

Perumostly inland floodingModerate

Oxfordmostly inland floodingLow

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. Westfield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Westfield’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Westfield. 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 Westfield total about $1.9M 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.