Lorain County, Ohio: hazard risk
FEMA rates Lorain County's overall risk Relatively Moderate (score 86.3 of 100, higher than 86% of rated U.S. counties); 4 of its 15 hazards are rated Relatively High or Very High, led by strong wind, ice storm, tornado. Its storm record holds 940 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 |
|---|---|---|---|
| Strong Wind | Relatively High | 92.7 | $2.7M |
| Ice Storm | Relatively High | 92.5 | $1.3M |
| Tornado | Relatively High | 90.9 | $8.4M |
| Winter Weather | Relatively High | 90.5 | $452K |
| Hail | Relatively Moderate | 91.3 | $2.1M |
| Riverine Flooding | Relatively Moderate | 90.2 | $43M |
| Cold Wave | Relatively Moderate | 85.1 | $5.5M |
| Lightning | Relatively Moderate | 77.2 | $698K |
| Earthquake | Relatively Low | 74.6 | $1.2M |
| Heat Wave | Relatively Low | 64.1 | $763K |
| Hurricane | Very Low | 50.6 | $83K |
| Wildfire | Very Low | 45.9 | $40K |
| Landslide | Very Low | 41.6 | $796 |
| Coastal Flooding | Very Low | 31.8 | $6K |
| Drought | No Rating | 0.0 | $0 |
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 | 460 | 0 | $14M | 10th of 88 | 97th of 3,080 |
| Hail | 179 | 0 | $1.1M | 12th of 88 | 304th of 3,080 |
| Floods | 79 | 3 | $93M | 37th of 88 | 496th of 3,080 |
| High wind and dust storms | 78 | 2 | $33M | 7th of 88 | 239th of 3,080 |
| Winter storms | 58 | 0 | $28M | 63rd of 88 | 1271st of 3,077 |
| Tornadoes | 36 | 18 | $263M | 8th of 88 | 311th of 3,080 |
| Extreme cold | 11 | 2 | $794K | 25th of 88 | 1044th of 3,076 |
| Lightning | 10 | 0 | $1.8M | 4th of 88 | 358th of 3,080 |
| Drought | 6 | 0 | $12M | 29th of 88 | 1908th of 3,063 |
| Heat | 2 | 0 | – | 60th of 88 | 1969th of 3,076 |
| Heavy rain | 2 | 0 | $63K | 53rd of 88 | 1465th of 3,080 |
| Hurricanes and tropical storms | 2 | 0 | $228K | 5th of 88 | 759th of 1,849 |
| Rip currents and high surf | 1 | 0 | – | 6th of 88 | 178th of 2,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Lorain County record: every hazard by year and month, the deadliest events and FEMA's declarations.