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Natural hazards · Galion

Galion, OH natural hazards

Most of the natural-hazard damage FEMA expects in Galion comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 41 claims here since 1981. 7 federal disasters brought FEMA money into town.

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

How exposed is Galion?

22
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Galion to be higher than in 22% of U.S. communities, mostly from inland flooding.

Inland flooding49%Cold waves14%Tornadoes11%Strong wind6%Hail5%Everything else14%
By hazard

What Galion faces

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

Inland flooding

49% of expected damage
Below average · higher than 30% of U.S. places
Recorded about once a year in the area

Cold waves

14% of expected damage
Above average · higher than 61% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

11% of expected damage
Above average · higher than 53% of U.S. places

Strong wind

6% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 2 times a year in the area

Hail

5% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Galion flood?

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

41paid claims since 1981
$867Kpaid to owners
7homes flooded more than once
19812026

Biggest named events

  • Late winter storms: 13 claims, $483K
  • Tropical Storm Erin: 1 claim, $14K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Galion isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Crawford County.
Disasters that hit Galion

7 federal disasters brought FEMA money here

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

Brought FEMA money into GalionDeclared for Crawford County only
2024

Tornadoes

3 households applied for aid $8K aid approved
2008

Record Snow and Near Record Snow

$10K to the City of Galion for repairs
2007

Severe Storms, Flooding, and Tornadoes

228 households applied for aid $256K aid approved $8K to the City of Galion for repairs
2004

Severe Winter Storms, Flooding, and Mudslides

265 households applied for aid $187K aid approved $94K to the City of Galion for repairs
2004

Snow

$13K to the City of Galion for repairs
2004

Severe Storms and Flooding

34 households applied for aid $34K aid approved
2003

Severe Storms and Flooding

8 households applied for aid $13K aid approved
Crawford County has had 12 natural disasters declared since 1953, most often severe storms and winter storms.
Around Galion

Galion and the towns around it

Polk: Very low, mostly inland floodingJackson: Moderate, mostly inland floodingCrestline: Moderate, mostly inland floodingNorth Bloomfield: Low, mostly inland floodingWashington: Low, mostly inland floodingWhetstone: Low, mostly inland floodingJefferson: Moderate, mostly inland floodingSandusky: Very low, mostly inland floodingVernon: Moderate, mostly inland floodingSharon: Low, mostly inland floodingCongress: Low, mostly inland floodingTroy: Low, mostly inland floodingGalion: Low, mostly inland flooding GalionPolkJacksonCrestlineNorth Bloomfield
Very lowLowModerateHighVery high
Jacksonmostly inland floodingModerate
Crestlinemostly inland floodingModerate
Galionmostly inland floodingLow
North Bloomfieldmostly inland floodingLow
Polkmostly 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. Galion covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Galion’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Galion. 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 Galion total about $607K 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.

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