FEMA expects about as much hazard damage per building in Lisbon as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Lisbon gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 3 claims here since 1980.
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 Lisbon 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 Lisbon’s grade
River and rain flooding is 90% of the building damage FEMA expects in Lisbon, and Lisbon’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts.
B− higher expected damage per building than 54% of U.S. towns (21,298).
Lisbon’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $828K a year in losses across Lisbon: $754K to buildings, the rest to people and crops.
Does Lisbon flood? Rarely: 3 flood claims since 1980
Every paid claim on a federal flood insurance policy in Lisbon, from FEMA’s records: 2.1 per 1,000 homes, fewer than 61% of the 13,809 U.S. towns with a flood insurance record.
Lisbon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Columbiana County.4 federal disasters brought FEMA money to Lisbon
Disasters that paid out in Lisbon itself (aid to households or repair grants to the Village of Lisbon), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding131 households applied for aid$610K aid approved$139K to the Village of Lisbon for repairs
- 2004Severe Storms and Flooding12 households applied for aid$11K aid approved
- 2003Tornadoes, Flooding, Severe Storms, and High Winds66 households applied for aid$83K aid approved
- 2003Severe Storms and Flooding14 households applied for aid$27K aid approved
Columbiana County has had 15 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Lisbon after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lisbon archive →Get ready for what Lisbon 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 Lisbon
Is Lisbon at risk for natural disasters?
On FEMA’s National Risk Index, Lisbon has higher expected damage per building than 54% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (90%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lisbon flood?
Flood insurance has paid 3 claims in Lisbon since 1980, $7K in all, or 2.1 per 1,000 homes, fewer than 61% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Lisbon 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 Columbiana County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Lisbon?
FEMA’s Community Rating System list shows no discount for Lisbon’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 Lisbon?
By FEMA money that reached Lisbon, Severe Storms and Flooding (2004): 131 households applied for aid, $610K approved, and $139K to the Village of Lisbon for repairs.
Is Lisbon at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Lisbon’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lisbon.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lisbon’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.