Natural hazards · Eaton

Eaton, OH natural hazards

Most of the natural-hazard damage FEMA expects in Eaton comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Eaton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Eaton to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes27%Strong wind10%Earthquakes6%Cold waves5%Everything else6%

By hazard

What Eaton faces

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

Inland flooding

46% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

27% of expected damage

Well above average · higher than 97% of U.S. places

Strong wind

10% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 64% of U.S. places

Cold waves

5% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 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 Eaton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Preble County.

What’s been done with FEMA grants

4storm safe rooms built

Disasters that hit Eaton

3 federal disasters brought FEMA money here

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

Brought FEMA money into EatonDeclared for Preble County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$114K to the City of Eaton for repairs

2004

Snow

$10K to the City of Eaton for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$9K to the City of Eaton for repairs

Preble County has had 9 natural disasters declared since 1953, most often severe storms and winter storms.

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. Eaton covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Eaton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Eaton. 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 Eaton total about $2.7M 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.