Natural hazards · Hardy

Hardy, OH natural hazards

Most of the natural-hazard damage FEMA expects in Hardy comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 8 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hardy?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardy to be higher than in 18% of U.S. communities, mostly from inland flooding.

Inland flooding66%Tornadoes10%Hail7%Everything else17%

By hazard

What Hardy faces

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

Inland flooding

66% of expected damage

Below average · higher than 30% of U.S. places

Recorded about once a year in the area

Tornadoes

10% of expected damage

Above average · higher than 61% of U.S. places

Recorded about once every 100 years in the area

Hail

7% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Hardy flood?

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

8paid claims since 1978

$114Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Late winter storms: 1 claim, $64K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Holmes County.

Disasters that hit Hardy

2 federal disasters brought FEMA money here

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

Brought FEMA money into HardyDeclared for Holmes County only

2004

Severe Winter Storms, Flooding, and Mudslides

$21K to the Township of Hardy for repairs

2004

Severe Storms and Flooding

$31K to the Township of Hardy for repairs

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

Around Hardy

Hardy and the towns around it

Very lowLowModerateHighVery high

Monroemostly inland floodingModerate

Hardymostly inland floodingVery low

Berlinmostly inland floodingVery low

Mechanicmostly inland floodingVery low

Prairiemostly 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. Hardy covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hardy’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Hardy. 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 Hardy total about $1.2M 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.