Natural hazards · Berne

Berne, OH natural hazards

Most of the natural-hazard damage FEMA expects in Berne comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 9 claims here since 1980. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Berne?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Berne to be higher than in 59% of U.S. communities, mostly from inland flooding.

Inland flooding78%Tornadoes5%Everything else17%

By hazard

What Berne faces

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

Inland flooding

78% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

5% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 64 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Berne flood?

Every paid claim on a federal flood insurance policy in Berne, from FEMA’s records.

9paid claims since 1980

$20Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fairfield County.

Disasters that hit Berne

4 federal disasters brought FEMA money here

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

Brought FEMA money into BerneDeclared for Fairfield County only

2012

Severe Storms and Straight-Line Winds

$14K to the Township of Berne for repairs

2008

Severe Wind Storm Associated With Tropical Depression Ike

$5K to the Township of Berne for repairs

2008

Record Snow and Near Record Snow

$7K to the Township of Berne for repairs

2004

Severe Winter Storms, Flooding, and Mudslides

$5K to the Township of Berne for repairs

Fairfield County has had 10 natural disasters declared since 1953, most often severe storms and winter storms.

Around Berne

Berne and the towns around it

Very lowLowModerateHighVery high

Bernemostly inland floodingModerate

Marionmostly inland floodingModerate

Good Hopemostly inland floodingModerate

Rush Creekmostly inland floodingModerate

Lancastermostly inland floodingModerate

Pleasantmostly inland floodingVery low

Hockingmostly inland floodingVery low

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. Berne covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Berne’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Berne. 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 Berne total about $1.7M 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.