Miamisburg is calmer than 72% of U.S. communities
Most of the natural-hazard damage FEMA expects in Miamisburg comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1989. 5 federal disasters brought FEMA money into town.
What stands out about Miamisburg’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Miamisburg?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 28% of U.S. communities, mostly from inland flooding.
Calmer than 1,410 of the 2,573 Ohio towns we cover.
Miamisburg covers 3 census tracts, combined by population.
Does Miamisburg flood? Rarely: 5 flood claims since 1989
Every paid claim on a federal flood insurance policy in Miamisburg, from FEMA’s records.
Miamisburg isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.What Miamisburg faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Cold waves
Tornadoes
5 federal disasters brought FEMA money to Miamisburg
Disasters that paid out in Miamisburg itself (aid to households or repair grants to the City of Miamisburg) and its biggest flood years.
- 2019Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslide7 households applied for aid
- 2008Severe Wind Storm Associated With Tropical Depression Ike$185K to the City of Miamisburg for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides$101K to the City of Miamisburg for repairs
- 2004Snow$68K to the City of Miamisburg for repairs
- 2003Severe Winter Storm and Record/Near Record Snow$37K to the City of Miamisburg for repairs
Montgomery County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.
Old photos of Miamisburg after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Miamisburg archive →Get ready for what Miamisburg 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.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- 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.
- 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.
Miamisburg and its neighbors
Miamisburg has the highest rating of the 3 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Miamisburg | Low | inland flooding | 5 |
| West Carrollton | Low | inland flooding | 13 |
| Miami | Low | inland flooding | 8 |
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 May–June
The month each of Montgomery County’s 11 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 Miamisburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Miamisburg.
- 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 Miamisburg, expected losses total about $3.0M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Miamisburg.
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.