FEMA expects more hazard damage per building in Perrysburg than in 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Perrysburg gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (96%). Flood insurance has paid 2 claims here since 1982.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Perrysburg faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Perrysburg’s grade
River and rain flooding is 96% of the building damage FEMA expects in Perrysburg, and Perrysburg’s rate of river and rain flooding damage is higher than 87% of U.S. census tracts.
C higher expected damage per building than 72% of U.S. towns (21,298).
All of Perrysburg’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $686K a year in losses across Perrysburg: $585K to buildings, the rest to people and crops.
Does Perrysburg flood? Rarely: 2 flood claims since 1982
Every paid claim on a federal flood insurance policy in Perrysburg, from FEMA’s records: 2.6 per 1,000 homes, fewer than 55% of the 13,809 U.S. towns with a flood insurance record.
Perrysburg isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cattaraugus County.7 federal disasters brought FEMA money to Perrysburg
Disasters that paid out in Perrysburg itself (aid to households or repair grants to the Town of Perrysburg), newest first, with that year’s flood claims.
- 2014Severe Storms and Flooding$961K to the Town of Perrysburg for repairs
- 2009Severe Storms and Flooding46 households applied for aid$113K aid approved$219K to the Town of Perrysburg for repairs
- 2004Severe Storms and Flooding$8K to the Town of Perrysburg for repairs
- 2003Severe Storms, Flooding, and Tornadoes$1K to the Town of Perrysburg for repairs
- 2001Snow$8K to the Town of Perrysburg for repairs
- 2000Snow$5K to the Town of Perrysburg for repairs
Show all 7
- 1999Snow$6K to the Town of Perrysburg for repairs
Cattaraugus County has had 20 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Perrysburg after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Perrysburg archive →Perrysburg and its neighbors
Perrysburg is 6th of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Collins | B+less damage than 69% | river and rain flooding | 4 |
| Hanover | Bless damage than 56% | river and rain flooding | 1,166 |
| Dayton | B−less damage than 53% | river and rain flooding | — |
| Persia | Cmore damage than 71% | river and rain flooding | — |
| Gowanda | Cmore damage than 71% | river and rain flooding | 118 |
| Perrysburg | Cmore damage than 72% | river and rain flooding | 2 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Perrysburg faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Perrysburg
Is Perrysburg at risk for natural disasters?
On FEMA’s National Risk Index, Perrysburg has higher expected damage per building than 72% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (96%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Perrysburg flood?
Flood insurance has paid 2 claims in Perrysburg since 1982, $2K in all, or 2.6 per 1,000 homes, fewer than 55% of U.S. towns with a flood insurance record.
Is Perrysburg in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Cattaraugus County, 1.0% of all homes carry federal flood insurance.
How much is flood insurance in Perrysburg?
FEMA’s Community Rating System list shows no discount for Perrysburg’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Perrysburg?
By FEMA money that reached Perrysburg, Severe Storms and Flooding (2014): $961K to the Town of Perrysburg for repairs.
Is Perrysburg at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (96%), and Perrysburg’s rate for it is higher than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Perrysburg.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Perrysburg’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.