Natural hazards · Alger

Alger, OH natural hazards

Most of the natural-hazard damage FEMA expects in Alger comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Alger?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Alger to be higher than in 53% of U.S. communities, mostly from inland flooding.

Inland flooding58%Cold waves10%Strong wind9%Tornadoes8%Lightning5%Everything else10%

By hazard

What Alger faces

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

Inland flooding

58% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once a year in the area

Cold waves

10% of expected damage

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

Recorded about 5 times a year in the area

Strong wind

9% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 14 years in the area

Lightning

5% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslides

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 Alger flood?

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

of all homes
are insured

No community discount. Alger 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 Alger

2 federal disasters brought FEMA money here

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

Brought FEMA money into AlgerDeclared for Hardin County only

2007

Severe Storms, Flooding, and Tornadoes

13 households applied for aid $22K aid approved

2004

Severe Winter Storms, Flooding, and Mudslides

$30K to the Village of Alger 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. Alger 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 Alger’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Alger. 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.