Natural hazards · Phillipsburg

Phillipsburg, OH natural hazards

Most of the natural-hazard damage FEMA expects in Phillipsburg comes from inland flooding, and overall the risk is very low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Phillipsburg?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Phillipsburg to be higher than in 9% of U.S. communities, mostly from inland flooding.

Inland flooding55%Cold waves11%Tornadoes10%Earthquakes9%Strong wind5%Everything else10%

By hazard

What Phillipsburg faces

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

Inland flooding

55% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 2 times a year in the area

Cold waves

11% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 50% of U.S. places

Recorded about once every 60 years in the area

Earthquakes

9% of expected damage

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

Strong wind

5% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Phillipsburg flood?

FEMA's records show no paid flood insurance claims in Phillipsburg.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Phillipsburg 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.

Disasters that hit Phillipsburg

2 federal disasters brought FEMA money here

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

Brought FEMA money into PhillipsburgDeclared for Montgomery County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$3K to the Village of Phillipsburg for repairs

2004

Snow

$4K to the Village of Phillipsburg for repairs

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

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. Phillipsburg is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Phillipsburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Phillipsburg. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.