Natural hazards · Centerville

Centerville, OH natural hazards

Most of the natural-hazard damage FEMA expects in Centerville comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 1989. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Centerville?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Centerville to be higher than in 9% of U.S. communities, mostly from inland flooding.

Inland flooding61%Cold waves10%Tornadoes9%Earthquakes6%Everything else14%

By hazard

What Centerville faces

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

Inland flooding

61% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about 2 times a year in the area

Cold waves

10% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

9% of expected damage

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

Earthquakes

6% of expected damage

Above average · higher than 52% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Centerville flood?

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

2paid claims since 1989

$13Kpaid to owners

0homes flooded more than once

19892026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Montgomery County.

What’s been done with FEMA grants

2storm safe rooms built

1buildings retrofitted against wind

Disasters that hit Centerville

4 federal disasters brought FEMA money here

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

Brought FEMA money into CentervilleDeclared for Montgomery County only

2019

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

3 households applied for aid

2008

Severe Wind Storm Associated With Tropical Depression Ike

$309K to the City of Centerville for repairs

2004

Snow

$24K to the City of Centerville for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$30K to the City of Centerville for repairs

Montgomery County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.

Around Centerville

Centerville and the towns around it

Very lowLowModerateHighVery high

Sugarcreekmostly inland floodingLow

Bellbrookmostly inland floodingLow

Ketteringmostly inland floodingVery low

Washingtonmostly inland floodingVery low

Centervillemostly 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. Centerville covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Centerville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Centerville. 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 Centerville total about $5.3M 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.