Natural hazards · North Bend

North Bend, OH natural hazards

Most of the natural-hazard damage FEMA expects in North Bend comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 25 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is North Bend?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Bend to be higher than in 46% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding57%Tornadoes22%Heat waves9%Cold waves6%Everything else5%

By hazard

What North Bend 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

Above average · higher than 64% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

22% of expected damage

Well above average · higher than 95% of U.S. places

Heat waves

9% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 6 times a year in the area

Cold waves

6% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 North Bend flood?

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

25paid claims since 1978

$110Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

March storm: 4 claims, $11K
Central U.S. April Flooding: 3 claims, $16K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hamilton County.

Disasters that hit North Bend

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in North Bend itself: aid to households, or repair grants to the Village of North Bend.

Brought FEMA money into North BendDeclared for Hamilton County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$3K to the Village of North Bend for repairs

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

Around North Bend

North Bend and the towns around it

Very lowLowModerateHighVery high

Shawneemostly inland floodingHigh

Miamimostly inland floodingModerate

North Bendmostly inland floodingModerate

Clevesmostly inland floodingModerate

Miami Heightsmostly 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. North Bend covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to North Bend’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Village of North Bend. 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 North Bend total about $1.6M 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.