Photo: Nyttend · Public domainFEMA expects less hazard damage per building in Willowick than in 95% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Willowick gets an A+ for hazard risk: lower expected damage per building than 95% of U.S. towns, #93 of 993 in Ohio. Most of that expected damage is river and rain flooding (80%). Flood insurance has paid 15 claims here since 1978.
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 Willowick 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
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 Willowick’s grade
River and rain flooding is 80% of the building damage FEMA expects in Willowick, and Willowick’s rate of river and rain flooding damage is lower than 79% of U.S. census tracts. Winter storms add 2%, at a rate in the top 3% of U.S. census tracts.
A+ #93 of 993 in Ohio; lower expected damage per building than 95% of U.S. towns (21,298).
Willowick’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Willowick has less expected damage per building than 91% of Ohio towns.
In dollars, FEMA expects about $1.4M a year in losses across Willowick: $1.2M to buildings, the rest to people and crops.
Does Willowick flood? Sometimes: 15 flood claims since 1978
Every paid claim on a federal flood insurance policy in Willowick, from FEMA’s records: 2.3 per 1,000 homes, fewer than 58% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms1 claim · $50K
Willowick isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lake County.2 federal disasters brought FEMA money to Willowick
Disasters that paid out in Willowick itself (aid to households or repair grants to the City of Willowick), newest first, with that year’s flood claims.
- 2008Record Snow and Near Record Snow$33K to the City of Willowick for repairs
- 2006Severe Storms, Straight Line Winds, and Flooding1,041 households applied for aid$1.3M aid approved$85K to the City of Willowick for repairs1 flood claim paid that year
Lake County has had 11 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Willowick after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Willowick archive →Willowick and its neighbors
Willowick is 2nd of the 5 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 |
|---|---|---|---|
| Wickliffe | A+less damage than 97% | river and rain flooding | 1 |
| Willowick | A+less damage than 95% | river and rain flooding | 15 |
| Euclid | Aless damage than 94% | river and rain flooding | 7 |
| Eastlake | Aless damage than 88% | river and rain flooding | 237 |
| Willoughby | Aless damage than 87% | river and rain flooding | 38 |
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 Willowick 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.
- 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 Willowick
Is Willowick at risk for natural disasters?
On FEMA’s National Risk Index, Willowick has lower expected damage per building than 95% of U.S. towns: A+ for hazard risk, #93 of 993 in Ohio. Most of the expected damage is river and rain flooding (80%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Willowick flood?
Flood insurance has paid 15 claims in Willowick since 1978, $164K in all, or 2.3 per 1,000 homes, fewer than 58% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Late winter storms (1).
Is Willowick 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 Lake County, 32% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Willowick?
FEMA’s Community Rating System list shows no discount for Willowick’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 Willowick?
By FEMA money that reached Willowick, Severe Storms, Straight Line Winds, and Flooding (2006): 1,041 households applied for aid, $1.3M approved, and $85K to the City of Willowick for repairs. By flood claims, Late winter storms: 1 paid, $50K.
Is Willowick at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Willowick’s rate for it is lower than 79% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Willowick.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Willowick’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.