Natural hazards · Lemon

Lemon, OH natural hazards

Most of the natural-hazard damage FEMA expects in Lemon comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 2001.

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

Expected damage

How exposed is Lemon?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lemon to be higher than in 43% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding58%Tornadoes20%Cold waves12%Everything else10%

By hazard

What Lemon 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

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

Recorded about 3 times a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 91% of U.S. places

Cold waves

12% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Lemon flood?

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

3paid claims since 2001

$563Kpaid to owners

0homes flooded more than once

20012026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Butler County.

Disasters that hit Lemon

Federal disasters declared here

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

Brought FEMA money into LemonDeclared for Butler County only

Butler County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Lemon

Lemon and the towns around it

Very lowLowModerateHighVery high

Middletownmostly inland floodingModerate

Madisonmostly inland floodingModerate

Lemonmostly inland floodingModerate

Monroemostly inland floodingLow

Libertymostly inland floodingLow

Turtlecreekmostly 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. Lemon covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Lemon’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Lemon. 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 Lemon total about $6.3M 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.