Storm risk in Lucas County, Ohio

FEMA rates Lucas County Relatively Moderate for natural-hazard risk overall, 240th of 3,144 rated counties. For a roof the three that matter are hail (Relatively High), strong wind (Relatively High) and tornado (Relatively High). NOAA logged 38 hail reports here from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. Planning-level county ratings.

Lucas County: FEMA National Risk Index scores for overall risk, hail, strong wind and tornado, each on a scale of 0 to 100Overall riskOverall risk: score 92.4, Relatively Moderate, 240th of 3,144 rated counties92Relatively Moderate, 240th of 3,144HailHail: score 96.0, Relatively High, 127th of 3,126 rated counties96Relatively High, 127th of 3,126Strong windStrong wind: score 94.6, Relatively High, 170th of 3,121 rated counties95Relatively High, 170th of 3,121TornadoTornado: score 97.3, Relatively High, 85th of 3,144 rated counties97Relatively High, 85th of 3,144

Each dot is the county’s score from 0 to 100 against all rated U.S. counties; the bar colour is FEMA’s rating band.

Hazard by hazard

HazardRatingScore (0 to 100)Rank in U.S.Rank in OHExpected yearly loss
OverallRelatively Moderate 92.42405 of 88$90,378,351buildings
HailRelatively High 96.01275 of 88$3,158,380buildings
Strong windRelatively High 94.61707 of 88$913,208buildings
TornadoRelatively High 97.3855 of 88$17,532,937all exposure

Rank 1 is the highest score. Expected annual loss is a county total in dollars per year, not a figure per home; the overall, hail and wind rows count buildings only, the tornado row all exposure.

Lucas County in plain numbers

  • FEMA's overall rating for Lucas County is Relatively Moderate, score 92.4 of 100, 240th of 3,144 rated counties.
  • Hail: Relatively High (score 96.0), 127th nationwide and 5th of 88 counties in Ohio.
  • Expected yearly hail loss to buildings: $3,158,380 for the whole county, about $33.47 per $1 million of building value.
  • NRI's hail record averages 3.2 hail events a year in the county.
  • Strong wind: Relatively High (score 94.6), 170th nationwide; expected yearly loss to buildings $913,208, about $9.68 per $1 million of building value.
  • Tornado: Relatively High (score 97.3), 85th nationwide; total expected yearly loss $17,532,937.
  • Buildings in the county are valued at 94.4 billion dollars in the index; population 431,225.
  • Social vulnerability is rated Relatively Moderate and community resilience Very High.
  • NOAA logged 38 hail reports in Lucas County from 2014 to June 2026; hail of 1 inch or more fell on 10 days and the largest stone was 2.5 inches.
  • 1 of our cities is in the county: Toledo.
  • 26 ZIP Code Tabulation Areas have more than half of their land area in Lucas County.
  • Our guide range for a 2,000 sq ft asphalt roof in Toledo is $6,370 to $14,105.
  • NOAA lists 3 tornado tracks in the county since 2014.

Where large hail was reported

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

Reported hail locations, Lucas County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.5 in hail1.5 in hail1.75 in hail1.75 in hail2 in hail2 in hail2.5 in hail Toledo
  • 201 to 1.74 in
  • 51.75 to 2.74 in, golf ball to tennis ball
  • 02.75 in and up, baseball

Largest plotted stone: 2.5 in. Bigger dots are bigger stones.

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

Sources: NOAA, Census county outline

Cities and ZIP areas in Lucas 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. 26 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Toledo 43615 (100%), 43620 (100%), 43609 (100%), 43613 (100%) Roofers

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Questions

How high is storm risk in Lucas County?

FEMA's National Risk Index rates Lucas County Relatively Moderate overall. By peril: hail Relatively High, strong wind Relatively High, tornado Relatively High. The highest-scoring of the three for this county is tornado (score 97.3).

How many hail reports has NOAA logged in Lucas County?

38 reports between 2014 and June 2026 in NOAA's Storm Events Database. A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell.

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 a county total, not a figure per home, and it is built for comparing counties, not for pricing one house.

Does a high rating mean my roof will be damaged?

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

How does Lucas County compare with the rest of Ohio?

For hail it ranks 5th of 88 rated counties in the state; for strong wind 7th of 88; for tornado 5th of 88.

Other Ohio counties

Sources: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database; Census Bureau ZCTA-to-county relationship file (2020). 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). Planning-level information, not an inspection and not insurance advice.