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AHazard risk
Natural hazards in Pheasant Run · FEMA

FEMA expects less hazard damage per building in Pheasant Run than in 90% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Pheasant Run gets an A for hazard risk: lower expected damage per building than 90% of U.S. towns. Most of that expected damage is river and rain flooding (75%), then tornadoes (12%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 75%Tornadoes 12%Hail 4%

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

less than 90%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A
in Ohio · lower than 90% of U.S. towns
Main hazard
River and rain flooding
75% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 15 declared for Lorain County
By hazard

What Pheasant Run 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

75%of expected building damage
Below average · lower than 76% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

12%of expected building damage
Above average · higher than 67% of U.S. census tracts
Smaller shares here
 Hail Strong wind Ice storms Earthquakes Winter storms Wildfire Lightning Hurricanes Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Pheasant Run’s grade

River and rain flooding is 75% of the building damage FEMA expects in Pheasant Run, and Pheasant Run’s rate of river and rain flooding damage is lower than 76% of U.S. census tracts. Next is tornadoes at 12% (higher than 67% of U.S. census tracts).

Where Pheasant Run sits
Pheasant Run
Least damageMiddleMost damage

A lower expected damage per building than 90% of U.S. towns (21,298).

All of Pheasant Run’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding75%Tornadoes12%Hail4%Everything else8%

In dollars, FEMA expects about $333K a year in losses across Pheasant Run: $256K to buildings, the rest to people and crops.

Shared tract.All of Pheasant Run’s 1,362 residents (2020 census) live in one census tract, which it shares with Penfield township (1,835 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Pheasant Run flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Pheasant Run. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Pheasant Run isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lorain County.
Disasters

The storms Pheasant Run remembers

None of the 15 disasters declared for Lorain County shows FEMA aid or repair money reaching Pheasant Run itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Pheasant RunLorain County only

Lorain 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.

Be ready

Get ready for what Pheasant Run faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Pheasant Run

Is Pheasant Run at risk for natural disasters?

On FEMA’s National Risk Index, Pheasant Run has lower expected damage per building than 90% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (75%) and tornadoes (12%). 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.

Is Pheasant Run 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 Lorain County, 30% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Pheasant Run?

FEMA’s Community Rating System list shows no discount for Pheasant Run’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Pheasant Run at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (75%), and Pheasant Run’s rate for it is lower than 76% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Pheasant Run.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pheasant Run’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.