Natural hazards · Coal

Coal, OH natural hazards

Most of the natural-hazard damage FEMA expects in Coal comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Coal?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coal to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding75%Heat waves9%Tornadoes5%Everything else10%

By hazard

What Coal faces

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

Inland flooding

75% of expected damage

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

Recorded about 2 times a year in the area

Heat waves

9% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

5% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 89 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold 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 Coal flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

Disasters that hit Coal

Federal disasters declared here

None of the disasters declared for Jackson County shows FEMA aid or repair money reaching Coal itself in FEMA’s records.

Brought FEMA money into CoalDeclared for Jackson County only

Jackson County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Coal

Coal and the towns around it

Very lowLowModerateHighVery high

Coalmostly inland floodingModerate

Washingtonmostly inland floodingModerate

Jacksonmostly inland floodingModerate

Lickmostly inland floodingLow

Wellstonmostly inland floodingLow

Miltonmostly inland floodingLow

Libertymostly 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. Coal 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 Coal’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Coal. 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.