Natural hazards · Harbor View

Harbor View, OH natural hazards

Most of the natural-hazard damage FEMA expects in Harbor View 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 Harbor View?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harbor View to be higher than in 2% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes22%Earthquakes8%Hail6%Cold waves5%Everything else9%

By hazard

What Harbor View faces

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

Inland flooding

50% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

22% of expected damage

Above average · higher than 71% of U.S. places

Earthquakes

8% of expected damage

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

Hail

6% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 3 times a year in the area

Cold waves

5% of expected damage

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

Recorded about 4 times a year in the area

Lower here

Coastal floodingHurricanesIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Harbor View flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lucas County.

Disasters that hit Harbor View

Federal disasters declared here

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

Brought FEMA money into Harbor ViewDeclared for Lucas County only

Lucas County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Harbor View

Harbor View and the towns around it

Very lowLowModerateHighVery high

Oregonmostly inland floodingVery low

Harbor Viewmostly 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. Harbor View 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 Harbor View’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Harbor View. 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.