Natural hazards · Moraine

Moraine, OH natural hazards

Most of the natural-hazard damage FEMA expects in Moraine comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1989. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Moraine?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Moraine to be higher than in 57% of U.S. communities, mostly from inland flooding.

Inland flooding81%Everything else20%

By hazard

What Moraine faces

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

Inland flooding

81% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Moraine flood?

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

3paid claims since 1989

$11Kpaid to owners

0homes flooded more than once

19892026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Moraine 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’s been done with FEMA grants

4buildings floodproofed

Disasters that hit Moraine

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Moraine itself: aid to households, or repair grants to the City of Moraine.

Brought FEMA money into MoraineDeclared for Montgomery County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$147K to the City of Moraine for repairs

2004

Severe Winter Storms, Flooding, and Mudslides

$150K to the City of Moraine for repairs

2004

Snow

$31K to the City of Moraine for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$42K to the City of Moraine for repairs

Montgomery County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.

Around Moraine

Moraine and the towns around it

Very lowLowModerateHighVery high

Morainemostly inland floodingModerate

Jeffersonmostly inland floodingLow

Daytonmostly inland floodingLow

West Carrolltonmostly inland floodingLow

Miamimostly inland floodingLow

Ketteringmostly 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. Moraine covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Moraine’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Moraine. 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 Moraine total about $3.6M 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.