Natural hazards · Harlem

Harlem, OH natural hazards

Most of the natural-hazard damage FEMA expects in Harlem comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Harlem?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harlem to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding75%Tornadoes9%Everything else16%

By hazard

What Harlem faces

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

Inland flooding

75% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 70 years in the area

Lower here

HurricanesHailIce 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 Harlem flood?

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

4paid claims since 1978

$5Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Delaware County.

Disasters that hit Harlem

1 federal disaster brought FEMA money here

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

Brought FEMA money into HarlemDeclared for Delaware County only

2008

Record Snow and Near Record Snow

$6K to the Township of Harlem for repairs

Delaware County has had 12 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Harlem

Harlem and the towns around it

Very lowLowModerateHighVery high

Trentonmostly inland floodingModerate

Harlemmostly inland floodingModerate

Genoamostly inland floodingLow

Hartfordmostly inland floodingLow

Plainmostly inland floodingLow

Monroemostly inland floodingLow

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. Harlem covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harlem’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Harlem. 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 Harlem total about $1.6M 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.