Loveland’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Loveland comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 27 claims here since 1978.
What stands out about Loveland’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Loveland flood? Sometimes: 27 flood claims since 1978
Every paid claim on a federal flood insurance policy in Loveland, from FEMA’s records.
- The March storm6 claims · $52K
- The Not a named storm1 claim · $4K
Loveland 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.How exposed is Loveland?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 33% of U.S. communities, mostly from inland flooding and tornadoes.
Rated higher than 1,380 of the 2,573 Ohio towns we cover.
Loveland covers 2 census tracts, combined by population.
What Loveland faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Heat waves
Cold waves
Federal disasters declared here
None of the disasters declared for Hamilton County shows FEMA aid or repair money reaching Loveland itself in FEMA’s records.
Hamilton County has had 15 natural disasters declared since 1953, most often severe storms and floods.
Get ready for what Loveland actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Know the nearest cooling center or air-conditioned library.
- Drink water before you feel thirsty.
- Check on neighbors who live alone.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Loveland and its neighbors
Loveland ranks 3rd calmest of 5 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Loveland | Low | inland flooding | 27 |
| Symmes Township | Low | inland flooding | 30 |
| Loveland Park | Low | inland flooding | 0 |
| Hamilton Township | Low | inland flooding | 10 |
| Miami Township | Very low | inland flooding | 28 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in April–June
The month each of Hamilton County’s 15 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Loveland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Loveland.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Loveland, expected losses total about $3.2M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Loveland.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.