Natural hazards · Lockland

Lockland, OH natural hazards

Most of the natural-hazard damage FEMA expects in Lockland comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2020. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lockland?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lockland to be higher than in 57% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding68%Tornadoes15%Heat waves7%Everything else10%

By hazard

What Lockland faces

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

Inland flooding

68% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 88% of U.S. places

Heat waves

7% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightning

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 Lockland flood?

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

1paid claims since 2020

$124Kpaid to owners

0homes flooded more than once

20202026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hamilton County.

Disasters that hit Lockland

3 federal disasters brought FEMA money here

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

Brought FEMA money into LocklandDeclared for Hamilton County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$42K to the Village of Lockland for repairs

2004

Snow

$8K to the Village of Lockland for repairs

2001

Severe Storms and Flooding

$10K to the Village of Lockland for repairs

Hamilton County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Lockland

Lockland and the towns around it

Very lowLowModerateHighVery high

Readingmostly inland floodingModerate

Locklandmostly inland floodingModerate

Arlington Heightsmostly inland floodingModerate

Wyomingmostly inland floodingLow

Evendalemostly inland floodingLow

Lincoln Heightsmostly 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. Lockland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lockland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Lockland. 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 Lockland total about $1.8M 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.