Ohio natural hazard risk by county

Ohio has about $3.06 billion in modeled expected annual loss across 88 counties. The state accounts for 2.0% of the national modeled loss total. Its total ranks #15 among 56 state-level entries by modeled loss. FEMA published these 88 county estimates in its December 2025 National Risk Index. The modeled $3.06 billion annual average does not predict loss in any one year.

Modeled expected annual loss

$3.06 billion / year

Share of US loss

2.0%

State loss rank

#15 of 56

Largest modeled-loss hazard

Riverine Flood

Reading the Ohio county map

The map groups 88 county estimates into five within-state loss classes. Each boundary follows the county geography, while the fill represents modeled dollars per year. The class breaks are calculated from Ohio county values, so a matching shade on another state page need not represent the same amount. Grey marks unmatched geography or an unavailable estimate. Outlined counties link to the detailed profiles available in this release; counties without profiles still contribute to the state totals.

Together, the three largest estimates account for 27.3% of Ohio modeled annual loss. Their combined population represents 29.0% of the state source population. Comparing these two shares helps distinguish the concentration of modeled dollars from the concentration of residents. Neither share identifies the exposure of an individual address, and the map does not show the location of damage within a county.

County totals beside population

Franklin County, OH combines about $331.4 million in modeled annual loss with 1,323,446 recorded residents. Dividing those figures gives about $250 per resident, compared with $259 statewide. On this population-adjusted measure, the county places #64 among the 88 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Cuyahoga County, OH combines about $282.4 million in modeled annual loss with 1,264,334 recorded residents. Dividing those figures gives about $223 per resident, compared with $259 statewide. On this population-adjusted measure, the county places #74 among the 88 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Hamilton County, OH combines about $221.2 million in modeled annual loss with 830,623 recorded residents. Dividing those figures gives about $266 per resident, compared with $259 statewide. On this population-adjusted measure, the county places #58 among the 88 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Where the leading hazards are concentrated

For riverine flooding, Franklin County, OH contributes 10.8% of the state hazard total. The next county, Cuyahoga County, OH, contributes about $177.8 million annually, compared with $209.6 million for the leader. Across Ohio, 88 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $1.56 billion after those two leading estimates. The state places #10 of 56 state-level entries for this hazard. Its share of the state loss mix is 63.7%. These comparisons describe modeled losses rather than future events.

For tornadoes, Hamilton County, OH contributes 14.5% of the state hazard total. The next county, Cuyahoga County, OH, contributes about $32.6 million annually, compared with $53.1 million for the leader. Across Ohio, 88 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $280.8 million after those two leading estimates. The state places #11 of 56 state-level entries for this hazard. Its share of the state loss mix is 12.0%. These comparisons describe modeled losses rather than future events.

For cold waves, Cuyahoga County, OH contributes 22.1% of the state hazard total. The next county, Franklin County, OH, contributes about $42.7 million annually, compared with $49.8 million for the leader. Across Ohio, 88 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $133.0 million after those two leading estimates. The state places #13 of 56 state-level entries for this hazard. Its share of the state loss mix is 7.4%. These comparisons describe modeled losses rather than future events.

For heat waves, Franklin County, OH contributes 21.2% of the state hazard total. The next county, Hamilton County, OH, contributes about $24.7 million annually, compared with $25.2 million for the leader. Across Ohio, 88 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $69.1 million after those two leading estimates. The state places #15 of 56 state-level entries for this hazard. Its share of the state loss mix is 3.9%. These comparisons describe modeled losses rather than future events.

For strong wind, Montgomery County, OH contributes 4.3% of the state hazard total. The next county, Hamilton County, OH, contributes about $4.0 million annually, compared with $4.3 million for the leader. Across Ohio, 88 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $92.2 million after those two leading estimates. The state places #14 of 56 state-level entries for this hazard. Its share of the state loss mix is 3.3%. These comparisons describe modeled losses rather than future events.

For hail, Summit County, OH contributes 13.7% of the state hazard total. The next county, Franklin County, OH, contributes about $8.0 million annually, compared with $13.2 million for the leader. Across Ohio, 88 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $75.2 million after those two leading estimates. The state places #10 of 56 state-level entries for this hazard. Its share of the state loss mix is 3.2%. These comparisons describe modeled losses rather than future events.

Ohio hazard totals and county comparisons

Ohio hazard totals combine the county estimates. The largest county column identifies concentration within each hazard; the state rank compares the same hazard across state-level entries.

Ohio county loss totals

Ohio population, values and ratings

Population

11,793,992

Building value

$2,673.45 billion

Agricultural value

$12.03 billion

Modeled loss per resident

$259

Ohio county pages

Ohio has 1 detailed county page linked below.

• Franklin County, OH: county detail

US county comparisons alongside Ohio