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Natural hazards · Celina

Celina, OH natural hazards

Most of the natural-hazard damage FEMA expects in Celina comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

How exposed is Celina?

20
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Celina to be higher than in 20% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes29%Earthquakes10%Strong wind7%Cold waves6%Everything else8%
By hazard

What Celina faces

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

Inland flooding

40% of expected damage
Well below average · higher than 12% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

29% of expected damage
Well above average · higher than 95% of U.S. places

Earthquakes

10% of expected damage
Above average · higher than 72% of U.S. places

Strong wind

7% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about 3 times a year in the area

Cold waves

6% of expected damage
Below average · higher than 40% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Celina flood?

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

7paid claims since 1978
$88Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Late winter storms: 1 claim, $3K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Celina isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Mercer County.

What’s been done with FEMA grants

3storm safe rooms built
2flood-prone properties bought out and cleared
Disasters that hit Celina

4 federal disasters brought FEMA money here

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

Brought FEMA money into CelinaDeclared for Mercer County only
2024

Tornadoes

37 households applied for aid $140K aid approved
2019

Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslide

90 households applied for aid $22K aid approved $270K to the City of Celina for repairs
2004

Severe Winter Storms, Flooding, and Mudslides

1 household applied for aid $200K to the City of Celina for repairs
2003

Severe Storms and Flooding

163 households applied for aid $299K aid approved
Mercer County has had 12 natural disasters declared since 1953, most often severe storms and tornadoes.
Around Celina

Celina and the towns around it

Center: Low, mostly inland floodingJefferson: Low, mostly inland floodingUnion: Moderate, mostly inland floodingHopewell: Low, mostly inland floodingNoble: Moderate, mostly inland floodingFranklin: Moderate, mostly inland floodingButler: Low, mostly inland floodingCelina: Low, mostly inland flooding CelinaCenterJefferson
Very lowLowModerateHighVery high
Jeffersonmostly inland floodingLow
Centermostly inland floodingLow
Celinamostly inland floodingLow
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. Celina covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Celina’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Celina. 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 Celina total about $1.5M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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