Natural hazards · Flatrock

Flatrock, OH natural hazards

Most of the natural-hazard damage FEMA expects in Flatrock comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 26 claims here since 1978.

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

Expected damage

How exposed is Flatrock?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Flatrock to be higher than in 75% of U.S. communities, mostly from inland flooding.

Inland flooding74%Tornadoes10%Everything else16%

By hazard

What Flatrock faces

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

Inland flooding

74% of expected damage

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

Recorded about once every 2 years in the area

Tornadoes

10% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 21 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Flatrock flood?

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

26paid claims since 1978

$284Kpaid to owners

0homes flooded more than once

19782026

of all homes
are insured

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

Insurance rates: Henry County.

Disasters that hit Flatrock

Federal disasters declared here

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

Brought FEMA money into FlatrockDeclared for Henry County only

Henry County has had 8 natural disasters declared since 1953, most often severe storms and winter storms.

Around Flatrock

Flatrock and the towns around it

Very lowLowModerateHighVery high

Flatrockmostly inland floodingHigh

Pleasantmostly inland floodingHigh

Napoleonmostly inland floodingHigh

Richlandmostly inland floodingHigh

Monroemostly inland floodingHigh

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. Flatrock covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Flatrock’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Flatrock. 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 Flatrock total about $1.8M 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.