Natural hazards · Harpster

Harpster, OH natural hazards

Most of the natural-hazard damage FEMA expects in Harpster comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harpster?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harpster to be higher than in 41% of U.S. communities, mostly from inland flooding.

Inland flooding50%Tornadoes15%Cold waves10%Strong wind7%Hail6%Everything else12%

By hazard

What Harpster faces

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

Inland flooding

50% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 18 years in the area

Cold waves

10% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 4 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 times a year in the area

Hail

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Harpster flood?

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

of all homes
are insured

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

Insurance rates: Wyandot County.

Disasters that hit Harpster

3 federal disasters brought FEMA money here

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

Brought FEMA money into HarpsterDeclared for Wyandot County only

2012

Severe Storms and Straight-Line Winds

$5K to the Village of Harpster for repairs

2007

Severe Storms, Flooding, and Tornadoes

5 households applied for aid $3K aid approved

2004

Severe Winter Storms, Flooding, and Mudslides

5 households applied for aid $3K aid approved $2K to the Village of Harpster for repairs

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

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. Harpster is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Harpster’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Harpster. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.