Natural hazards · Kettering

Kettering, OH natural hazards

Most of the natural-hazard damage FEMA expects in Kettering comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 26 claims here since 1979. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Kettering?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kettering to be higher than in 12% of U.S. communities, mostly from inland flooding.

Inland flooding58%Cold waves13%Tornadoes9%Earthquakes6%Everything else15%

By hazard

What Kettering 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 26% of U.S. places

Recorded about 2 times a year in the area

Cold waves

13% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

9% of expected damage

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

Earthquakes

6% of expected damage

Below average · higher than 48% 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 Kettering flood?

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

26paid claims since 1979

$132Kpaid to owners

2homes flooded more than once

19792026

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

🏷️ 10% off flood insurance. Kettering is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Montgomery County.

What’s been done with FEMA grants

36flood-prone properties bought out and cleared

Disasters that hit Kettering

4 federal disasters brought FEMA money here

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

Brought FEMA money into KetteringDeclared for Montgomery County only

2019

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

1 household applied for aid

2008

Severe Wind Storm Associated With Tropical Depression Ike

$964K to the City of Kettering for repairs

2004

Snow

$99K to the City of Kettering for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$64K to the City of Kettering for repairs

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

Around Kettering

Kettering and the towns around it

Very lowLowModerateHighVery high

Morainemostly inland floodingModerate

Daytonmostly inland floodingLow

Sugarcreekmostly inland floodingLow

Riversidemostly inland floodingLow

Miamimostly inland floodingLow

Oakwoodmostly inland floodingVery low

Beavercreekmostly inland floodingVery low

Ketteringmostly inland floodingVery low

Washingtonmostly inland floodingVery low

Centervillemostly 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. Kettering covers 23 census tracts, combined by population.

Money that reached townFlood claims are matched to Kettering’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Kettering. 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 Kettering total about $9.8M 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.