Storm risk in Clark County, Ohio

FEMA's overall hazard score for Clark County is 77.10 (Relatively Low), 721st of 3,144 counties. Hail scores 82.22 (Relatively Moderate), strong wind 81.52 (Relatively Moderate) and tornado 82.32 (Relatively Moderate). Expected hail loss is $29 per $1 million of buildings a year; NOAA logged 20 hail reports in Clark County from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

Clark County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of OH$0.1$1$10$100$1,000Hail: $29 per $1 million, 1,351st of 3,126 rated counties$29Hail1,351st of 3,126 countiesStrong wind: $24 per $1 million, 1,380th of 3,121 rated counties$24Strong wind1,380th of 3,121 countiesTornado: $133 per $1 million, 1,919th of 3,144 rated counties$133Tornado1,919th of 3,144 counties
  • Clark County, coloured by its FEMA rating
  • all U.S. counties
  • each county in the state
  • U.S. median
  • state median

Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.

How FEMA rates Clark County

HazardRatingScore (0 to 100)Rank in U.S.Rank in OH
OverallRelatively Low 77.10721 of 3,14417 of 88
HailRelatively Moderate 82.22560 of 3,12622 of 88
Strong windRelatively Moderate 81.52582 of 3,12622 of 88
TornadoRelatively Moderate 82.32557 of 3,12615 of 88

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$860,666$29 $35$22 1,351 of 3,12655 of 88
Strong wind$715,742$24 $23$20 1,380 of 3,12134 of 88
Tornado$3,895,353$133 $120$199 1,919 of 3,14438 of 88

Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.

What stands out in Clark County

  • FEMA expects hail in Clark County to cost $29 per $1 million of buildings a year: 1.31 times the U.S. median and 0.83 times the OH county median, ranked 1,351st of 3,126 counties nationally and 55th of 88 in Ohio.
  • FEMA expects strong wind in Clark County to cost $24 per $1 million of buildings a year: 1.20 times the U.S. median and 1.07 times the OH county median, ranked 1,380th of 3,121 counties nationally and 34th of 88 in Ohio.
  • FEMA expects tornado in Clark County to cost $133 per $1 million of buildings a year: 0.67 times the U.S. median and 1.10 times the OH county median, ranked 1,919th of 3,144 counties nationally and 38th of 88 in Ohio.
  • Applying FEMA's estimate to a $155,900 home, the average yearly loss in Clark County is about $4.56 for hail and $3.80 for wind before any deductible; at the U.S. median county rates it would be $3.48 and $3.18.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Clark County meets about 15.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1963, the median home in Clark County is 63 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 92.2% of its 61,092 homes are at least 26 years old.
  • March to June holds 12 of the 20 hail reports in Clark County (60 percent); the quietest month is September, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies Clark County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.

$4.56hail, a year; $3.48 at the U.S. median county rate
$3.80strong wind, a year; $3.18 at the U.S. median county rate
$167hail and wind together over 20 years, at today’s rate

Formula: home value × Clark County yearly loss ÷ building value. Hail: $860,666 ÷ $29,393,577,197 = 0.0000293. Wind: $715,742 ÷ $29,393,577,197 = 0.0000244. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.

Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.

Clark County in plain numbers

  • Clark County scores 77.10 in FEMA's overall hazard index (Relatively Low): 721st of 3,144 rated counties and 17th of 88 in Ohio.
  • Hail scores 82.22 (Relatively Moderate). FEMA expects $860,666 of hail damage to buildings in Clark County a year, which is $29 per $1 million of buildings, 1.31 times the U.S. median.
  • Strong wind scores 81.52 (Relatively Moderate) with $715,742 of expected yearly building loss in Clark County: $24 per $1 million of buildings, 1.20 times the U.S. median.
  • Tornado scores 82.32 (Relatively Moderate) and FEMA's expected yearly tornado loss is $3,895,353, counting everything exposed, or $133 per $1 million of buildings in Clark County.
  • FEMA's own event record for Clark County averages 3.43 hail events and 2.24 strong-wind events a year.
  • NOAA logged 20 hail reports in Clark County between 2014 and June 2026, on 10 days with stones of 1 inch or more; the largest was 2 inches.
  • In Clark County, FEMA counts buildings worth 29.39 billion dollars and 135,980 residents.
  • Social vulnerability is Relatively Moderate in Clark County.
  • Community resilience there is Very High, for 135,980 residents.
  • 1 city in Clark County is covered on this site: Springfield. 16 Census ZIP areas have more than half of their land in the county.
  • Our guide range for a 2,000 sq ft asphalt roof in Springfield is $6,370 to $14,105.
  • Clark County ranks 92 of the 194 counties with a page here for hail loss per $1 million of buildings, 45 for wind and 135 for tornado.
  • In Clark County, April is the busiest month with 5 of the 20 reports (25 percent), against 0 reports in October.
  • Clark County's worst year was 2014, with 3 hail days at 1 inch or more and 4 reports. At the 2014 to 2025 pace that is 0.75 such days a year, one about every 16.0 months.
  • The median home in Clark County was built in 1963; 77.0% of its 61,092 housing units date from before 1980, 92.2% from before 2000 and 2.1% from 2010 on.
  • Census puts the median home value in Clark County at $155,900, and 69.2% of homes are lived in by their owners.
  • 1,236 single-family building permits were issued in Clark County from 2014 to 2025, about 20.2 per 1,000 homes, peaking in 2025.
  • NOAA lists 16 tornado tracks in Clark County since 2014; the strongest was an EF2 on February 28, 2024 near Pitchin, 13.12 miles long.
  • The fastest gust in NOAA's records for Clark County is 81 mph on April 14, 2019 at Bowlusville.
  • The nearest county with a page here is Montgomery County, 28 miles from the centre of Clark County; its hail score is 95.71.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 9 roofing contractor establishments in Clark County in 2023, one for every 6,788 homes.

The hail record of Clark County, year by year

NOAA logged 20 reports in Clark County; hail of 1 inch or more fell on 10 days. That is 0.8 such days a year; the median county in NOAA’s file has 1.8.

Clark County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more012342014: 4 reports, 3 days at 1 inch or more, largest 1.75 inch142015: 1 reports, 0 days at 1 inch or more, largest 0.75 inch152016: 1 reports, 0 days at 1 inch or more, largest 0.88 inch162017: 2 reports, 1 days at 1 inch or more, largest 1 inch172018: 1 reports, 0 days at 1 inch or more, largest 0.88 inch182019: 0 reports, 0 days at 1 inch or more, largest 0 inch192020: 3 reports, 2 days at 1 inch or more, largest 1.25 inch202021: 1 reports, 0 days at 1 inch or more, largest 0.75 inch212022: 1 reports, 0 days at 1 inch or more, largest 0.75 inch222023: 4 reports, 2 days at 1 inch or more, largest 1 inch232024: 1 reports, 1 days at 1 inch or more, largest 2 inch242025: 0 reports, 0 days at 1 inch or more, largest 0 inch252026: 1 reports, 1 days at 1 inch or more, largest 1.5 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Clark County: NOAA hail reports by calendar month, 2014 to June 2026January: 1 reports1JanFebruary: 2 reports2FebMarch: 1 reports1MarApril: 5 reports5AprMay: 5 reports5MayJune: 1 reports1JunJuly: 3 reports3JulAugust: 2 reports2AugSeptember: 0 reports0SepOctober: 0 reports0OctNovember: 0 reports0NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: April, 5 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
20144321.75 in–
20151000.75 in–
20161000.88 in–
20172101 in–
20181000.88 in–
20203201.25 in–
20211000.75 in–
20221000.75 in–
20234201 in–
20241112 in–
2026 (to June)1101.5 in–

Biggest hail days in Clark County

DateLargest stoneReports that dayDamage reportedNear
February 28, 20242 in1none recordedMaitland
May 13, 20141.75 in1none recordedDialton
May 21, 20141.75 in1none recordedBowlusville
March 22, 20261.5 in1none recordedNorth Hampton
April 8, 20201.25 in2none recordedPitchin

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside Clark County the big stones fell.

Reported hail locations, Clark County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.5 in hail1.75 in hail1.75 in hail2 in hail Springfield
  • 81 to 1.74 in
  • 31.75 to 2.74 in, golf ball to tennis ball
  • 02.75 in and up, baseball

Largest plotted stone: 2 in. Bigger dots are bigger stones.

11 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for Clark County

Fastest gusts in Clark County

DateGustNear
April 14, 201981 mphBowlusville
April 14, 201981 mphBowlusville
June 27, 201970 mphSpringfield Arpt
April 12, 201966 mphSpringfield Arpt

Strongest tornado tracks in Clark County

DateScaleLengthInjured / killedNear
February 28, 2024EF213.12 mi3 / 0Pitchin
July 19, 2025EF12.8 mi0 / 0Villa
February 27, 2023EF12.31 mi0 / 0New Carlisle Arpt
June 8, 2022EF116.92 mi0 / 0North Hampton

16 tornado tracks in all since 2014; the strongest 4 are listed.

How old the roofs are

Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Clark County’s 2014 to 2025 pace of 0.75 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Clark County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 24.8% of homes24.8%<1940681940s: 6.5% of homes6.5%1940s611950s: 14.6% of homes14.6%1950s531960s: 16.2% of homes16.2%1960s461970s: 14.9% of homes14.9%1970s381980s: 6.8% of homes6.8%1980s311990s: 8.3% of homes8.3%1990s232000s: 5.7% of homes5.7%2000s162010s: 2.0% of homes2%2010s82020+: 0.1% of homes0.1%2020+2

Bars: share of 61,092 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.

Median year built1963
Built before 198077.0%
Built before 200092.2%
Built since 20102.1%
Owner-occupied69.2%
Median home value$155,900
Single-family permits, 2014 to 20251,236
Permits per 1,000 homes20.2

Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.

Roofers and past disasters in Clark County

Roofing firms in Clark County

Roofing contractor establishments, 20239
Change since 2016+4 (+80%)
Homes per roofing firm6,788
Median across counties5,189
Employees, 202326

Source for Clark County: Census County Business Patterns, NAICS 238160.

Nearby counties

The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Clark County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Montgomery County, OH28 Relatively Moderate $280.95$240.9771
Butler County, OH53 Relatively Moderate $120.42$261.0756
Licking County, OH70 Relatively Low $1053.57$190.7945
Richland County, OH89 Relatively Low $581.97$261.0541
Lucas County, OH116 Relatively Moderate $331.14$9.680.4038
Lorain County, OH130 Relatively Moderate $280.97$180.7429

More Ohio counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Clark County

1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 16 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Springfield 45502 (99%), 45503 (100%), 45504 (100%), 45505 (100%) Roofers

Storm hit your roof in Clark County? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in Clark County?

FEMA's National Risk Index gives Clark County an overall score of 77.10 (Relatively Low), 721st of 3,144. Hail scores 82.22 (Relatively Moderate), strong wind 81.52 (Relatively Moderate) and tornado 82.32 (Relatively Moderate).

In Clark County, how many hail reports has NOAA logged?

A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 20 for Clark County between 2014 and June 2026, on 10 days with hail of 1 inch or more; the largest stone was 2 inches.

What do hail and wind cost a home in Clark County each year, on average?

Applying FEMA's county rates to its median home value of $155,900: FEMA's estimate is about $4.56 a year for hail and $3.80 for wind, before any deductible, against $3.48 and $3.18 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.

How does Clark County compare with the rest of Ohio?

Per $1 million of buildings Clark County loses $29 to hail a year, against $35 in the median county of the state. Among 88 rated counties it is 22nd for hail, 22nd for strong wind and 15th for tornado.

How old are the roofs in Clark County?

The median home was built in 1963, 63 years ago, and 92.2% of the 61,092 housing units in Clark County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.

What does expected annual loss mean?

It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.

Does a high rating mean my roof will be damaged?

No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.

Sources for Clark County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Clark County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Clark County; Census County Business Patterns, roofing firms in Clark County. Planning-level information about Clark County, not an inspection and not insurance advice.

This product uses the Federal Emergency Management Agency's National Risk Index dataset but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).