Natural hazards · Coldstream

Coldstream, OH natural hazards

Most of the natural-hazard damage FEMA expects in Coldstream 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 Coldstream?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coldstream to be higher than in 51% of U.S. communities, mostly from inland flooding.

Inland flooding73%Tornadoes14%Heat waves5%Everything else8%

By hazard

What Coldstream faces

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

Inland flooding

73% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 88% of U.S. places

Heat waves

5% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 6 times a year 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 Coldstream flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hamilton County.

Disasters that hit Coldstream

Federal disasters declared here

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

Brought FEMA money into ColdstreamDeclared for Hamilton County only

Hamilton County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Coldstream

Coldstream and the towns around it

Very lowLowModerateHighVery high

Coldstreammostly inland floodingModerate

Andersonmostly inland floodingLow

Forestvillemostly 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. Coldstream 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 Coldstream’s own flood-insurance community; household aid to the registrant’s city; repair grants to Coldstream. 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.