Natural hazards · Ada

Ada, OH natural hazards

Most of the natural-hazard damage FEMA expects in Ada comes from inland flooding, and overall the risk is very low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ada?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ada to be higher than in 13% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding31%Cold waves15%Tornadoes13%Strong wind13%Earthquakes10%Lightning8%Everything else11%

By hazard

What Ada faces

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

Inland flooding

31% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 73% of U.S. places

Strong wind

13% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

10% of expected damage

Above average · higher than 72% of U.S. places

Lightning

8% of expected damage

Well above average · higher than 98% of U.S. places

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireLandslides

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Ada flood?

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

of all homes
are insured

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

Insurance rates: Hardin County.

Disasters that hit Ada

5 federal disasters brought FEMA money here

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

Brought FEMA money into AdaDeclared for Hardin County only

2012

Severe Storms and Straight-Line Winds

$28K to the Village of Ada for repairs

2008

Record Snow and Near Record Snow

$4K to the Village of Ada for repairs

2007

Severe Storms, Flooding, and Tornadoes

14 households applied for aid $22K aid approved

2004

Severe Winter Storms, Flooding, and Mudslides

$166K to the Village of Ada for repairs

2004

Snow

$5K to the Village of Ada for repairs

Hardin County has had 9 natural disasters declared since 1953, most often severe storms and winter storms.

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. Ada covers 1 census tract, combined by population.

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

FEMA’s expected losses across Ada total about $368K a year, counting buildings, people and crops.

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.