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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 very low for a U.S. community. Flood insurance has paid 7 claims here since 2014.

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

How exposed is Monroe?

18
Very low
vs. U.S. communities

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

Inland flooding57%Tornadoes16%Cold waves6%Earthquakes6%Strong wind6%Everything else9%
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

57% of expected damage
Below average · higher than 26% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

16% of expected damage
Well above average · higher than 77% of U.S. places

Cold waves

6% of expected damage
Above average · higher than 56% of U.S. places
Recorded about 5 times a year in the area

Earthquakes

6% of expected damage
Above average · higher than 56% of U.S. places

Strong wind

6% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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.

7paid claims since 2014
$100Kpaid to owners
0homes flooded more than once
20142026
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: Miami County.
Disasters that hit Monroe

Federal disasters declared here

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

Brought FEMA money into MonroeDeclared for Miami County only
Miami County has had 12 natural disasters declared since 1953, most often severe storms and winter storms.
Around Monroe

Monroe and the towns around it

Bethel: Very low, mostly inland floodingStaunton: Moderate, mostly inland floodingTipp City: Low, mostly inland floodingUnion: Very low, mostly inland floodingConcord: Low, mostly inland floodingButler: Very low, mostly inland floodingVandalia: Very low, mostly inland floodingUnion: Very low, mostly inland floodingHuber Heights: Very low, mostly inland floodingBethel: Low, mostly inland floodingBrandt: Very low, mostly inland floodingElizabeth: Low, mostly inland floodingNew Carlisle: High, mostly inland floodingPark Layne: Very low, mostly inland floodingTroy: Moderate, mostly inland floodingPiqua: Moderate, mostly inland floodingSpringcreek: Very low, mostly inland floodingLostcreek: Low, mostly inland floodingMonroe: Low, mostly inland floodingNewton: Low, mostly inland floodingWest Milton: Very low, mostly inland floodingWashington: Very low, mostly inland floodingDayton: Low, mostly inland floodingClayton: Very low, mostly inland floodingEnglewood: Very low, mostly inland floodingHarrison: Very low, mostly inland floodingShiloh: Low, mostly inland floodingMonroe: Very low, mostly inland flooding MonroeBethelStauntonTipp CityUnionConcordButlerVandaliaUnion
Very lowLowModerateHighVery high
Stauntonmostly inland floodingModerate
Concordmostly inland floodingLow
Tipp Citymostly inland floodingLow
Monroemostly inland floodingVery low
Bethelmostly inland floodingVery low
Unionmostly inland floodingVery low
Unionmostly inland floodingVery low
Vandaliamostly inland floodingVery low
Butlermostly 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. Monroe covers 4 census tracts, 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 $3.8M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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