Natural hazards · Toledo

Toledo, OR natural hazards

Most of the natural-hazard damage FEMA expects in Toledo comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 1996. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Toledo?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Toledo to be higher than in 86% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes62%Inland flooding33%Everything else5%

By hazard

What Toledo faces

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

Earthquakes

62% of expected damage

Well above average · higher than 94% of U.S. places

Inland flooding

33% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 2 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningAvalanchesTsunamisVolcanic activity

Not a risk here

HurricanesDrought

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 Toledo flood?

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

2paid claims since 1996

$48Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lincoln County.

Disasters that hit Toledo

5 federal disasters brought FEMA money here

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

Brought FEMA money into ToledoDeclared for Lincoln County only

2024

Severe Winter Storms, Straight-Line Winds, Landslides, and Mudslides

$113K to the City of Toledo for repairs

2020

Wildfires and Straight-Line Winds

7 households applied for aid $3K aid approved

2012

Severe Winter Storm, Flooding, Landslides, and Mudslides

$30K to the City of Toledo for repairs

2011

Severe Winter Storm, Flooding, Mudslides, Landslides, and Debris Flows

$35K to the City of Toledo for repairs

2007

Severe Storms, Flooding, Landslides, and Mudslides

$6K to the City of Toledo for repairs

Lincoln County has had 20 natural disasters declared since 1953, most often severe storms and floods.

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. Toledo 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 Toledo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Toledo. 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.