Natural Disaster Risk
Kelleys Island, OH
2026 Risk Report · FEMA · NOAA · USGS
Risk Score Overview— Kelleys Island
🌊 Flood Risk — Kelleys Island
Kelleys Island has a flood risk score of 38/100, classified as Low. This score is derived from FEMA's National Flood Insurance Program (NFIP) claims data, flood zone designations, and NOAA precipitation records.
🌪️ Tornado Risk — Kelleys Island
Tornado risk score: 50/100 — Moderate. Based on NOAA Storm Events Database historical tornado tracks and frequency data.
⚡ Earthquake Risk — Kelleys Island
Earthquake risk score: 15/100 — Very Low. Based on USGS National Seismic Hazard Model and historical seismic event data for this region.
🔥 Wildfire Risk — Kelleys Island
Wildfire risk score: 12/100 — Very Low. Based on USDA Forest Service wildfire risk data and historical fire perimeter records.
💰 What This Means for Home Insurance in Kelleys Island
Standard homeowners policies do not cover flood damage. Properties in FEMA flood zones may be required to purchase NFIP coverage.
Earthquake damage is excluded from standard homeowners policies. A separate earthquake rider or policy is required.
Homeowners insurance typically covers wind and fire damage, but high-risk areas may see coverage restrictions or surcharges. Review your policy limits.
📍 Nearby Cities in Ohio
❓ Frequently Asked Questions — Kelleys Island
Is Kelleys Island in a flood zone?
Kelleys Island has a flood risk score of 38/100, classified as Low. Check the FEMA Flood Map Service Center for specific parcel-level flood zone designations.
Does Kelleys Island get tornadoes?
Kelleys Island has a tornado risk score of 50/100. This area has experienced tornadoes historically and residents should have a preparedness plan.
What is the earthquake risk in Kelleys Island?
Kelleys Island has an earthquake risk score of 15/100 (Very Low), based on USGS seismic hazard assessments and historical earthquake data.
Is Kelleys Island at risk for wildfires?
Kelleys Island's wildfire risk score is 12/100 (Very Low), reflecting proximity to wildland-urban interface areas and historical fire perimeter data.
How does natural disaster risk affect home insurance in Kelleys Island?
Areas with higher risk scores typically see higher home insurance premiums. Standard homeowners insurance does not cover floods — a separate NFIP or private flood policy is required. Earthquake damage also requires a separate rider or policy. Check with a local insurance agent for coverage recommendations specific to Kelleys Island.