Natural hazards · London

London, OH natural hazards

Most of the natural-hazard damage FEMA expects in London comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 10 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is London?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in London to be higher than in 18% of U.S. communities, mostly from inland flooding.

Inland flooding55%Tornadoes14%Strong wind8%Earthquakes6%Everything else17%

By hazard

What London faces

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

Inland flooding

55% of expected damage

Below average · higher than 25% of U.S. places

Recorded about once a year in the area

Tornadoes

14% of expected damage

Above average · higher than 72% of U.S. places

Strong wind

8% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 56% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightning

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 London flood?

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

10paid claims since 1979

$47Kpaid to owners

1homes 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

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

Insurance rates: Madison County.

Disasters that hit London

3 federal disasters brought FEMA money here

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

Brought FEMA money into LondonDeclared for Madison County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$67K to the City of London for repairs

2004

Snow

$12K to the City of London for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$7K to the City of London for repairs

Madison County has had 10 natural disasters declared since 1953, most often severe storms and winter storms.

Around London

London and the towns around it

Very lowLowModerateHighVery high

Deer Creekmostly inland floodingLow

Londonmostly inland floodingVery low

Unionmostly 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. London covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to London’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of London. 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 London total about $1.9M 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.