Natural hazards · Hale

Hale, OH natural hazards

Most of the natural-hazard damage FEMA expects in Hale comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Hale?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hale to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding65%Tornadoes8%Cold waves7%Strong wind6%Everything else14%

By hazard

What Hale 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 68% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 11 years in the area

Cold waves

7% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 5 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce 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 Hale flood?

FEMA's records show no paid flood insurance claims in Hale.

of all homes
are insured

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

Insurance rates: Hardin County.

Disasters that hit Hale

1 federal disaster brought FEMA money here

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

Brought FEMA money into HaleDeclared for Hardin County only

2004

Severe Winter Storms, Flooding, and Mudslides

$12K to the Township of Hale for repairs

Hardin County has had 9 natural disasters declared since 1953, most often severe storms and winter storms.

Around Hale

Hale and the towns around it

Very lowLowModerateHighVery high

Bowling Greenmostly inland floodingHigh

Buckmostly inland floodingHigh

Halemostly inland floodingModerate

Taylor Creekmostly inland floodingModerate

Dudleymostly inland floodingModerate

Washingtonmostly inland floodingModerate

Bokescreekmostly inland floodingLow

Ridgewaymostly 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. Hale covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hale’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hale. 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 Hale total about $2.7M 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.