Natural hazards · Hamilton

Hamilton, OH natural hazards

Most of the natural-hazard damage FEMA expects in Hamilton comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Hamilton?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamilton to be higher than in 5% of U.S. communities, mostly from inland flooding.

Inland flooding62%Tornadoes11%Cold waves9%Heat waves5%Everything else12%

By hazard

What Hamilton faces

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

Inland flooding

62% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 60% of U.S. places

Cold waves

9% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 4 times a year in the area

Heat waves

5% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Hamilton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Franklin County.

Disasters that hit Hamilton

Federal disasters declared here

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

Brought FEMA money into HamiltonDeclared for Franklin County only

Franklin County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.

Around Hamilton

Hamilton and the towns around it

Very lowLowModerateHighVery high

Harrisonmostly inland floodingHigh

Madisonmostly inland floodingModerate

Columbusmostly inland floodingLow

Jacksonmostly inland floodingVery low

Groveportmostly inland floodingVery low

Grove Citymostly inland floodingVery low

Lockbournemostly inland floodingVery low

Hamiltonmostly inland floodingVery low

Obetzmostly 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. Hamilton covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Hamilton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hamilton. 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 Hamilton total about $3.5M 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.