Gambier is calmer than 88% of U.S. communities
Most of the natural-hazard damage FEMA expects in Gambier comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 1978. 2 federal disasters brought FEMA money into town.
What stands out about Gambier’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Gambier?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 12% of U.S. communities, mostly from inland flooding.
Calmer than 2,143 of the 2,573 Ohio towns we cover.
Gambier is smaller than a census tract, so it shares the figures of the tract around its center.
Does Gambier flood? Rarely: 1 flood claim since 1978
Every paid claim on a federal flood insurance policy in Gambier, from FEMA’s records.
Gambier isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Knox County.What Gambier faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Strong wind
Cold waves
Hail
2 federal disasters brought FEMA money to Gambier
Disasters that paid out in Gambier itself (aid to households or repair grants to the Village of Gambier) and its biggest flood years.
- 2008Severe Wind Storm Associated With Tropical Depression Ike$9K to the Village of Gambier for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides$7K to the Village of Gambier for repairs
Knox County has had 8 natural disasters declared since 1953, most often severe storms and winter storms.
Old photos of Gambier after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Gambier archive →Get ready for what Gambier actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Most disasters here begin in June–August
The month each of Knox County’s 8 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Gambier’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Gambier.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Gambier.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.