Natural hazards · Homer

Homer, OH natural hazards

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

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

Expected damage

How exposed is Homer?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Homer to be higher than in 59% of U.S. communities, mostly from inland flooding.

Inland flooding76%Drought7%Everything else18%

By hazard

What Homer faces

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

Inland flooding

76% of expected damage

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

Recorded about once a year in the area

Drought

7% of expected damage

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Homer flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Morgan County.

Disasters that hit Homer

Federal disasters declared here

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

Brought FEMA money into HomerDeclared for Morgan County only

Morgan County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Homer

Homer and the towns around it

Very lowLowModerateHighVery high

Trimblemostly inland floodingVery high

Amesmostly inland floodingHigh

Marionmostly inland floodingHigh

Homermostly inland floodingModerate

Unionmostly inland floodingModerate

Monroemostly inland floodingModerate

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