Property Atlas

County hazard profile

Ottawa, OH

Ohio · pop. 40,343 · FIPS 39123

Relatively Low
FEMA risk rating · RATING
Strong Wind
dominant hazard
$22M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Ottawa $22M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 59.16/100
national median ~50 near the national middle (59th percentile)
Social vulnerabilityRelatively Low 34.22/100
national median ~50 lower than most counties (34th percentile)
Community resilienceVery High 99.46/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Ottawa

The National Flood Insurance Program has paid 1,380 flood-insurance claims totaling $9.4M in Ottawa since 1978. The costliest year was 1998 ($3.1M paid).

Flood-insurance dollars paid by year of loss

1978: $10,934 paid 1979: $21,508 paid 1980: $193,745 paid 1981: $0 paid 1982: $1,801,105 paid 1983: $16,448 paid 1984: $30,958 paid 1985: $375,001 paid 1986: $97,498 paid 1987: $338,828 paid 1988: $0 paid 1989: $0 paid 1990: $14,913 paid 1991: $20,313 paid 1992: $5,600 paid 1993: $0 paid 1994: $28,070 paid 1995: $15,642 paid 1996: $1,007 paid 1997: $238,834 paid 1998: $3,090,166 paid 2000: $0 paid 2001: $0 paid 2003: $0 paid 2004: $0 paid 2005: $16,258 paid 2006: $169,832 paid 2007: $44,742 paid 2008: $35,796 paid 2009: $8,997 paid 2010: $0 paid 2011: $59,269 paid 2012: $0 paid 2013: $12,994 paid 2014: $2,412 paid 2015: $458,132 paid 2016: $10,687 paid 2017: $8,731 paid 2018: $536,862 paid 2019: $203,479 paid 2020: $82,229 paid 2021: $733,823 paid 2023: $715,684 paid 2024: $7,766 paid 2026: $0 paid 1998 · $3.1M 1978 2026
$9.4M
total paid
$6,818
average claim
$270K
largest single claim
86%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Ottawa, OH and where it ranks among U.S. counties. It is not a verdict on whether Ottawa is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.