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Natural hazards · German

German, OH natural hazards

Most of the natural-hazard damage FEMA expects in German comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 20 claims here since 1989.

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

How exposed is German?

69
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in German to be higher than in 69% of U.S. communities, mostly from inland flooding.

Inland flooding81%Cold waves5%Everything else14%
By hazard

What German faces

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

Inland flooding

81% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 2 times a year in the area

Cold waves

5% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 German flood?

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

20paid claims since 1989
$94Kpaid to owners
0homes flooded more than once
19892026
of homes in flood zones
are insured
of all homes
are insured
No community discount. German isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.
Disasters that hit German

Federal disasters declared here

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

Brought FEMA money into GermanDeclared for Montgomery County only
Montgomery County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.
Around German

German and the towns around it

Madison: Moderate, mostly inland floodingMiami: Low, mostly inland floodingJackson: Very low, mostly inland floodingCarlisle: High, mostly inland floodingGratis: Moderate, mostly inland floodingTrenton: High, mostly inland floodingLemon: Moderate, mostly inland floodingMiddletown: Moderate, mostly inland floodingLiberty: Low, mostly inland floodingSt. Clair: Very high, mostly inland floodingWayne: Low, mostly inland floodingFranklin: Moderate, mostly inland floodingMonroe: Low, mostly inland floodingWoodsdale: High, mostly inland floodingFairfield: Low, mostly inland floodingMoraine: Moderate, mostly inland floodingWest Carrollton: Low, mostly inland floodingKettering: Very low, mostly inland floodingMiamisburg: Low, mostly inland floodingWashington: Very low, mostly inland floodingSpringboro: Low, mostly inland floodingJefferson: Low, mostly inland floodingLanier: Moderate, mostly inland floodingPerry: Very low, mostly inland floodingFranklin: Low, mostly inland floodingSomers: High, mostly inland floodingGratis: Moderate, mostly inland floodingGerman: High, mostly inland flooding GermanMadisonMiamiJacksonCarlisleGratis
Very lowLowModerateHighVery high
Carlislemostly inland floodingHigh
Germanmostly inland floodingHigh
Madisonmostly inland floodingModerate
Gratismostly inland floodingModerate
Miamimostly inland floodingLow
Jacksonmostly 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. German covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to German’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of German. 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 German total about $3.4M 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.

The door’s open

Where to, neighbor?

You’re in German, OHMontgomery CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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