Natural hazards · Harmony

Harmony, OH natural hazards

Most of the natural-hazard damage FEMA expects in Harmony comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 10 claims here since 1979.

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

Expected damage

How exposed is Harmony?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harmony to be higher than in 19% of U.S. communities, mostly from inland flooding.

Inland flooding63%Tornadoes12%Cold waves5%Everything else20%

By hazard

What Harmony faces

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

Inland flooding

63% of expected damage

Below average · higher than 32% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once every 30 years in the area

Cold waves

5% of expected damage

Above average · higher than 65% 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 Harmony flood?

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

10paid claims since 1979

$131Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clark County.

Disasters that hit Harmony

Federal disasters declared here

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

Brought FEMA money into HarmonyDeclared for Clark County only

Clark County has had 8 natural disasters declared since 1953, most often severe storms and winter storms.

Around Harmony

Harmony and the towns around it

Very lowLowModerateHighVery high

Springfieldmostly inland floodingLow

Harmonymostly inland floodingVery low

Moorefieldmostly inland floodingVery low

Pleasantmostly inland floodingVery low

Unionmostly inland floodingVery low

Madisonmostly 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. Harmony covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harmony’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Harmony. 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 Harmony total about $977K 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.