Guernsey County, Ohio: hazard risk
FEMA rates Guernsey County's overall risk Very Low (score 37.5 of 100, higher than 37% of rated U.S. counties). Its storm record holds 510 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Lightning | Relatively Moderate | 59.9 | $263K |
| Landslide | Relatively Low | 86.6 | $30K |
| Hail | Relatively Low | 62.9 | $331K |
| Drought | Relatively Low | 62.3 | $256K |
| Riverine Flooding | Relatively Low | 58.9 | $6.9M |
| Ice Storm | Relatively Low | 56.6 | $90K |
| Heat Wave | Relatively Low | 47.7 | $265K |
| Winter Weather | Relatively Low | 42.6 | $39K |
| Strong Wind | Relatively Low | 39.1 | $319K |
| Tornado | Relatively Low | 36.8 | $588K |
| Hurricane | Very Low | 40.7 | $24K |
| Earthquake | Very Low | 38.5 | $110K |
| Wildfire | Very Low | 31.1 | $12K |
| Cold Wave | Very Low | 13.3 | $101K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 227 | 0 | $4.0M | 65th of 88 | 774th of 3,080 |
| Hail | 105 | 0 | – | 60th of 88 | 1504th of 3,080 |
| Floods | 85 | 0 | $35M | 42nd of 88 | 569th of 3,080 |
| Winter storms | 47 | 0 | $12K | 73rd of 88 | 1646th of 3,077 |
| High wind and dust storms | 13 | 0 | $1.0M | 80th of 88 | 1584th of 3,080 |
| Tornadoes | 11 | 0 | $17M | 71st of 88 | 2065th of 3,080 |
| Drought | 8 | 0 | – | 18th of 88 | 1799th of 3,063 |
| Extreme cold | 8 | 0 | – | 49th of 88 | 1519th of 3,076 |
| Heavy rain | 4 | 0 | – | 24th of 88 | 1052nd of 3,080 |
| Landslides and avalanches | 1 | 0 | – | 2nd of 88 | 268th of 2,278 |
| Lightning | 1 | 0 | – | 67th of 88 | 1931st of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Guernsey County record: every hazard by year and month, the deadliest events and FEMA's declarations.