Photo: Roseohioresident · CC BY-SA 4.0On FEMA’s figures, North Lima faces less hazard damage per building than 95% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, North Lima gets an A+ for hazard risk: lower expected damage per building than 95% of U.S. towns. Most of that expected damage is river and rain flooding (78%). Flood insurance has paid 1 claim here since 2019.
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 North Lima 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
Tornadoes
Hail
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 North Lima’s grade
River and rain flooding is 78% of the building damage FEMA expects in North Lima, and North Lima’s rate of river and rain flooding damage is lower than 80% of U.S. census tracts. Next is tornadoes at 8% (higher than 55% of U.S. census tracts).
A+ lower expected damage per building than 95% of U.S. towns (21,298).
North Lima’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $318K a year in losses across North Lima: $274K to buildings, the rest to people and crops.
Does North Lima flood? Rarely: 1 flood claim since 2019
Every paid claim on a federal flood insurance policy in North Lima, from FEMA’s records: 2.0 per 1,000 homes, fewer than 62% of the 13,809 U.S. towns with a flood insurance record.
North Lima isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mahoning County.5 federal disasters brought FEMA money to North Lima
Disasters that paid out in North Lima itself (aid to households or repair grants to North Lima), newest first, with that year’s flood claims.
- 2019Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslide5 households applied for aid$2K aid approved1 flood claim paid that year
- 2004Severe Storms and Flooding6 households applied for aid$9K aid approved
- 2004Severe Storms and Flooding17 households applied for aid$31K aid approved
- 2003Tornadoes, Flooding, Severe Storms, and High Winds26 households applied for aid$47K aid approved
- 2003Severe Storms and Flooding1 households applied for aid$3K aid approved
Mahoning County has had 9 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of North Lima after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the North Lima archive →North Lima and its neighbors
North Lima is 3rd of the 4 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 |
|---|---|---|---|
| Woodworth | A+less damage than 96% | river and rain flooding | — |
| Springfield Township | A+less damage than 96% | river and rain flooding | — |
| North Lima | A+less damage than 95% | river and rain flooding | 1 |
| Beaver Township | Aless damage than 94% | river and rain flooding | 1 |
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 North Lima 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 North Lima
Is North Lima at risk for natural disasters?
On FEMA’s National Risk Index, North Lima has lower expected damage per building than 95% of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (78%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does North Lima flood?
Flood insurance has paid 1 claim in North Lima since 2019, $7K in all, or 2.0 per 1,000 homes, fewer than 62% of U.S. towns with a flood insurance record.
Is North Lima 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 Mahoning County, 44% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in North Lima?
FEMA’s Community Rating System list shows no discount for North Lima’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 North Lima?
By FEMA money that reached North Lima, Tornadoes, Flooding, Severe Storms, and High Winds (2003): 26 households applied for aid, $47K approved.
Is North Lima at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and North Lima’s rate for it is lower than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in North Lima.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North Lima’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.