Natural hazards · Hartford

Hartford, OH natural hazards

Most of the natural-hazard damage FEMA expects in Hartford comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Hartford?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartford to be higher than in 30% of U.S. communities, mostly from inland flooding.

Inland flooding70%Hail10%Tornadoes5%Everything else16%

By hazard

What Hartford faces

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

Inland flooding

70% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 3 times a year in the area

Hail

10% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

5% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once every 20 years 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 Hartford flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Licking County.

Disasters that hit Hartford

Federal disasters declared here

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

Brought FEMA money into HartfordDeclared for Licking County only

Licking County has had 16 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Hartford

Hartford and the towns around it

Very lowLowModerateHighVery high

Trentonmostly inland floodingModerate

Harlemmostly inland floodingModerate

Hartfordmostly inland floodingLow

Benningtonmostly inland floodingLow

Hilliarmostly 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. Hartford 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 Hartford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hartford. 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.