Natural hazards · Harding

Harding, OH natural hazards

Most of the natural-hazard damage FEMA expects in Harding comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 2006.

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

Expected damage

How exposed is Harding?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harding to be higher than in 25% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding64%Tornadoes16%Cold waves6%Everything else15%

By hazard

What Harding faces

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

Inland flooding

64% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 92 years in the area

Cold waves

6% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce 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 Harding flood?

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

7paid claims since 2006

$69Kpaid to owners

0homes flooded more than once

20062026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Harding 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 Harding

Federal disasters declared here

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

Brought FEMA money into HardingDeclared for Lucas County only

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

Around Harding

Harding and the towns around it

Very lowLowModerateHighVery high

Fultonmostly inland floodingModerate

Hardingmostly inland floodingLow

Spencermostly inland floodingLow

Swantonmostly 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. Harding covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harding’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Harding. 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 Harding total about $752K 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.