Natural hazards · Milford

Milford, OH natural hazards

Most of the natural-hazard damage FEMA expects in Milford comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 6 claims here since 2003.

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

Expected damage

How exposed is Milford?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Milford to be higher than in 45% of U.S. communities, mostly from inland flooding.

Inland flooding71%Tornadoes9%Cold waves7%Everything else13%

By hazard

What Milford faces

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

Inland flooding

71% of expected damage

Above average · higher than 68% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 67% of U.S. places

Cold waves

7% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Milford flood?

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

6paid claims since 2003

$10Kpaid to owners

1homes flooded more than once

20032026

Biggest named events

March storm: 2 claims, $1K

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. Milford isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Clermont County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Milford

Federal disasters declared here

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

Brought FEMA money into MilfordDeclared for Clermont County only

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

Around Milford

Milford and the towns around it

Very lowLowModerateHighVery high

Terrace Parkmostly inland floodingHigh

Milfordmostly inland floodingModerate

The Village of Indian Hillmostly inland floodingLow

Miamimostly 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. Milford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Milford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Milford. 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 Milford 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.