Natural hazards · Cincinnati

Cincinnati, IL natural hazards

Most of the natural-hazard damage FEMA expects in Cincinnati comes from inland flooding, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Cincinnati?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cincinnati to be higher than in 87% of U.S. communities, mostly from inland flooding.

Inland flooding45%Cold waves13%Drought13%Heat waves12%Strong wind6%Everything else11%

By hazard

What Cincinnati faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

45% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 3 times a year in the area

Drought

13% of expected damage

Recorded about 6 times a year in the area

Heat waves

12% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 9 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Cincinnati flood?

FEMA's records show no paid flood insurance claims in Cincinnati.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cincinnati isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Pike County.

Disasters that hit Cincinnati

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Cincinnati itself: aid to households, or repair grants to the Township of Cincinnati.

Brought FEMA money into CincinnatiDeclared for Pike County only

1999

Il-Winter Storm 1/1/99

$11K to the Township of Cincinnati for repairs

Pike County has had 23 natural disasters declared since 1953, most often floods and severe storms.

Around Cincinnati

Cincinnati and the towns around it

Very lowLowModerateHighVery high

Pleasant Valemostly inland floodingVery high

Atlasmostly inland floodingVery high

Cincinnatimostly inland floodingVery high

Kinderhookmostly inland floodingVery high

Leveemostly inland floodingVery high

Savertonmostly inland floodingHigh

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Cincinnati is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Cincinnati’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Cincinnati. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.