Natural hazards · Harlan

Harlan, OH natural hazards

Most of the natural-hazard damage FEMA expects in Harlan comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harlan?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harlan to be higher than in 23% of U.S. communities, mostly from inland flooding.

Inland flooding58%Tornadoes12%Cold waves11%Everything else19%

By hazard

What Harlan faces

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

Inland flooding

58% of expected damage

Below average · higher than 39% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 34 years in the area

Cold waves

11% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 3 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 Harlan flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Warren County.

Disasters that hit Harlan

2 federal disasters brought FEMA money here

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

Brought FEMA money into HarlanDeclared for Warren County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$21K to the Township of Harlan for repairs

2004

Snow

$4K to the Township of Harlan for repairs

Warren County has had 11 natural disasters declared since 1953, most often severe storms and floods.

Around Harlan

Harlan and the towns around it

Very lowLowModerateHighVery high

Salemmostly inland floodingHigh

Hamiltonmostly inland floodingLow

Harlanmostly inland floodingLow

Washingtonmostly inland floodingVery low

Marionmostly 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. Harlan covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harlan’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Harlan. 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 Harlan total about $1.3M 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.