Natural hazards · Recovery

Recovery, OH natural hazards

Most of the natural-hazard damage FEMA expects in Recovery comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 25 claims here since 1992. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Recovery?

Very low

vs. U.S. communities

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

Inland flooding52%Tornadoes23%Earthquakes9%Everything else16%

By hazard

What Recovery faces

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

Inland flooding

52% of expected damage

Well below average · higher than 11% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

23% of expected damage

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

Recorded about once every 17 years in the area

Earthquakes

9% of expected damage

Above average · higher than 71% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

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 Recovery flood?

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

25paid claims since 1992

$309Kpaid to owners

0homes flooded more than once

19922026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mercer County.

Disasters that hit Recovery

1 federal disaster brought FEMA money here

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

Brought FEMA money into RecoveryDeclared for Mercer County only

2004

Severe Winter Storms, Flooding, and Mudslides

$7K to the Township of Recovery for repairs

Mercer County has had 12 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Recovery

Recovery and the towns around it

Very lowLowModerateHighVery high

Noblemostly inland floodingLow

Butlermostly inland floodingLow

Granvillemostly inland floodingLow

Recoverymostly inland floodingVery low

Gibsonmostly inland floodingVery low

Fort Recoverymostly inland floodingVery low

Washingtonmostly 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. Recovery covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Recovery’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Recovery. 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 Recovery total about $3.0M 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.