Natural hazards · Hartland

Hartland, OH natural hazards

Most of the natural-hazard damage FEMA expects in Hartland comes from inland flooding, and overall the risk is low 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 Hartland?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartland to be higher than in 31% of U.S. communities, mostly from inland flooding.

Inland flooding58%Tornadoes14%Lightning7%Strong wind6%Cold waves5%Hail5%Everything else5%

By hazard

What Hartland 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 44% of U.S. places

Recorded about once a year in the area

Tornadoes

14% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 24 years in the area

Lightning

7% of expected damage

Above average · higher than 63% of U.S. places

Strong wind

6% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

5% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 4 times a year in the area

Hail

5% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslides

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 Hartland flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Huron County.

Disasters that hit Hartland

3 federal disasters brought FEMA money here

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

Brought FEMA money into HartlandDeclared for Huron County only

2008

Record Snow and Near Record Snow

$2K to the Township of Hartland for repairs

2004

Severe Winter Storms, Flooding, and Mudslides

$1K to the Township of Hartland for repairs

2004

Snow

$2K to the Township of Hartland for repairs

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

Around Hartland

Hartland and the towns around it

Very lowLowModerateHighVery high

Hartlandmostly inland floodingLow

Fitchvillemostly inland floodingLow

Bronsonmostly inland floodingLow

Townsendmostly inland floodingLow

Clarksfieldmostly 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. Hartland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hartland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hartland. 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 Hartland total about $1.5M 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.