Pebble’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Pebble comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.
What stands out about Pebble’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
Does Pebble flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Pebble. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Pebble isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Pike County.How exposed is Pebble?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 63% of U.S. communities, mostly from inland flooding.
Rated higher than 2,274 of the 2,573 Ohio towns we cover.
Pebble covers 1 census tract, combined by population.
What Pebble faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Heat waves
Tornadoes
1 federal disaster brought FEMA money to Pebble
Disasters that paid out in Pebble itself (aid to households or repair grants to the Township of Pebble) and its biggest flood years.
- 2003Severe Winter Storm and Record/Near Record Snow$57K to the Township of Pebble for repairs
Pike County has had 14 natural disasters declared since 1953, most often severe storms and floods.
Old photos of Pebble after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pebble archive →Get ready for what Pebble actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Know the nearest cooling center or air-conditioned library.
- Drink water before you feel thirsty.
- Check on neighbors who live alone.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Pebble and its neighbors
Pebble ranks 4th calmest of 6 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Sunfish | High | inland flooding | 12 |
| Newton | High | inland flooding | 0 |
| Pebble | High | inland flooding | 0 |
| Benton | Moderate | inland flooding | 0 |
| Huntington | Moderate | inland flooding | 12 |
| Pee Pee | Low | inland flooding | 34 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in January–February
The month each of Pike County’s 14 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Pebble’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Pebble.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Pebble, expected losses total about $589K a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Pebble.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.