Natural hazards · Monroe

Monroe, OH natural hazards

Most of the natural-hazard damage FEMA expects in Monroe comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2011.

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

Expected damage

How exposed is Monroe?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monroe to be higher than in 32% of U.S. communities, mostly from inland flooding.

Inland flooding68%Tornadoes11%Strong wind5%Earthquakes5%Everything else11%

By hazard

What Monroe 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

Below average · higher than 49% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

11% of expected damage

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

Recorded about once every 23 years in the area

Strong wind

5% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

5% of expected damage

Above average · higher than 58% 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 Monroe flood?

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

2paid claims since 2011

$16Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

Late winter storms: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Allen County.

Disasters that hit Monroe

Federal disasters declared here

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

Brought FEMA money into MonroeDeclared for Allen County only

Allen County has had 7 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Monroe

Monroe and the towns around it

Very lowLowModerateHighVery high

Sugar Creekmostly inland floodingHigh

Pleasantmostly inland floodingModerate

Sugar Creekmostly inland floodingModerate

Bathmostly inland floodingLow

Monroemostly inland floodingLow

Richlandmostly inland floodingLow

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. Monroe covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Monroe’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Monroe. 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 Monroe total about $953K 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.