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Natural hazards · Huber Heights

Huber Heights, OH natural hazards

Most of the natural-hazard damage FEMA expects in Huber Heights comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 7 claims here since 1990. 4 federal disasters brought FEMA money into town.

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

How exposed is Huber Heights?

10
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Huber Heights to be higher than in 10% of U.S. communities, mostly from inland flooding.

Inland flooding54%Cold waves14%Tornadoes10%Earthquakes6%Everything else16%
By hazard

What Huber Heights faces

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

Inland flooding

54% of expected damage
Well below average · higher than 22% of U.S. places
Recorded about 2 times a year in the area

Cold waves

14% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

10% of expected damage
Below average · higher than 46% of U.S. places

Earthquakes

6% of expected damage
Above average · higher than 52% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Huber Heights flood?

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

7paid claims since 1990
$28Kpaid to owners
1homes flooded more than once
19902026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Huber Heights isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.

What’s been done with FEMA grants

3storm safe rooms built
Disasters that hit Huber Heights

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Huber Heights itself: aid to households, or repair grants to the City of Huber Heights.

Brought FEMA money into Huber HeightsDeclared for Montgomery County only
2019

Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslide

16 households applied for aid
2008

Severe Wind Storm Associated With Tropical Depression Ike

$224K to the City of Huber Heights for repairs
2004

Snow

$25K to the City of Huber Heights for repairs
2003

Severe Winter Storm and Record/Near Record Snow

$20K to the City of Huber Heights for repairs
Montgomery County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.
Around Huber Heights

Huber Heights and the towns around it

Dayton: Low, mostly inland floodingBethel: Very low, mostly inland floodingVandalia: Very low, mostly inland floodingRiverside: Low, mostly inland floodingBrandt: Very low, mostly inland floodingHarrison: Very low, mostly inland floodingBethel: Low, mostly inland floodingWright-Patterson AFB: Very low, mostly inland floodingJefferson: Low, mostly inland floodingTrotwood: Low, mostly inland floodingShiloh: Low, mostly inland floodingFort McKinley: Very low, mostly inland floodingButler: Very low, mostly inland floodingMoraine: Moderate, mostly inland floodingKettering: Very low, mostly inland floodingDrexel: Very low, mostly inland floodingMonroe: Very low, mostly inland floodingTipp City: Low, mostly inland floodingElizabeth: Low, mostly inland floodingNew Carlisle: High, mostly inland floodingPark Layne: Very low, mostly inland floodingStaunton: Moderate, mostly inland floodingBeavercreek: Very low, mostly inland floodingBeavercreek: Very low, mostly inland floodingBath: Very low, mostly inland floodingClayton: Very low, mostly inland floodingMad River: Low, mostly inland floodingPike: Low, mostly inland floodingSpringfield: Low, mostly inland floodingGerman: Low, mostly inland floodingFairborn: Very low, mostly inland floodingHuber Heights: Very low, mostly inland flooding Huber HeightsDaytonBethelVandaliaRiversideBrandtHarrisonBethelWright-Patterson AFB
Very lowLowModerateHighVery high
Daytonmostly inland floodingLow
Bethelmostly inland floodingLow
Riversidemostly inland floodingLow
Bethelmostly inland floodingVery low
Brandtmostly inland floodingVery low
Harrisonmostly inland floodingVery low
Huber Heightsmostly inland floodingVery low
Vandaliamostly inland floodingVery low
Wright-Patterson AFBmostly 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. Huber Heights covers 8 census tracts, combined by population.
Money that reached townFlood claims are matched to Huber Heights’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Huber Heights. 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 Huber Heights total about $5.4M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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