Natural hazards · Hamer

Hamer, OH natural hazards

Most of the natural-hazard damage FEMA expects in Hamer 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 Hamer?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamer to be higher than in 41% of U.S. communities, mostly from inland flooding.

Inland flooding63%Drought10%Tornadoes8%Everything else19%

By hazard

What Hamer faces

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

Inland flooding

63% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 2 times a year in the area

Drought

10% of expected damage

Recorded about 4 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 18 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Hamer flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Highland County.

Disasters that hit Hamer

1 federal disaster brought FEMA money here

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

Brought FEMA money into HamerDeclared for Highland County only

2004

Severe Winter Storms, Flooding, and Mudslides

$1K to the Township of Hamer for repairs

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

Around Hamer

Hamer and the towns around it

Very lowLowModerateHighVery high

Hamermostly inland floodingModerate

Whiteoakmostly inland floodingModerate

New Marketmostly inland floodingModerate

Salemmostly inland floodingModerate

Claymostly inland floodingModerate

Dodsonmostly inland floodingLow

Unionmostly 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. Hamer is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Hamer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hamer. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.