Natural hazards · Franklin

Franklin, OH natural hazards

Most of the natural-hazard damage FEMA expects in Franklin comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 8 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Franklin?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Franklin to be higher than in 37% of U.S. communities, mostly from inland flooding.

Inland flooding65%Tornadoes11%Cold waves9%Everything else14%

By hazard

What Franklin faces

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

Inland flooding

65% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

11% of expected damage

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

Cold waves

9% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Franklin flood?

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

8paid claims since 1979

$145Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

March storm: 1 claim, $963

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Warren County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Franklin

3 federal disasters brought FEMA money here

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

Brought FEMA money into FranklinDeclared for Warren County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$175K to the City of Franklin for repairs

2004

Severe Winter Storms, Flooding, and Mudslides

47 households applied for aid $48K aid approved

2004

Snow

$29K to the City of Franklin for repairs

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

Around Franklin

Franklin and the towns around it

Very lowLowModerateHighVery high

Carlislemostly inland floodingHigh

Franklinmostly inland floodingModerate

Franklinmostly inland floodingLow

Springboromostly inland floodingLow

Clear Creekmostly 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. Franklin covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Franklin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Franklin. 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 Franklin total about $4.8M 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.