Risk Index · Lucas County · 2026-06-13
Toledo, OH real-estate risk
- Risk score
- 92.4/100
- Relatively Moderate
- Expected annual loss
- $111M
- all hazards, county-wide
- Buildings-only loss
- $90M
- what owners and insurers carry
- Population
- 431K
- Lucas County
Toledo, OH (Lucas County) carries a FEMA National Risk Index score of 92.4/100, rated "Relatively Moderate" and driven mainly by tornado and hail, with roughly $111M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Tornado97.3
- Hail96
- Riverine flood95.4
- Strong wind94.6
- Earthquake88.1
- Heat wave85.3
- Hurricane56.9
- Coastal flood42.8
- Drought39
- Wildfire36.5
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Toledo risk questions
Is Toledo, OH a high-risk area for real estate?
Toledo scores 92.4/100 on FEMA's National Risk Index, rated "Relatively Moderate" versus all US counties. Its expected natural-hazard loss is about $111M per year.
What is the biggest natural hazard in Toledo?
The highest-rated hazard is tornado (97.3/100), followed by hail (96/100).
How does hazard risk affect property insurance in Toledo?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.