Natural hazards · St. Bernard

St. Bernard, OH natural hazards

Most of the natural-hazard damage FEMA expects in St. Bernard comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2024. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is St. Bernard?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Bernard to be higher than in 22% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding59%Tornadoes21%Heat waves8%Cold waves5%Everything else7%

By hazard

What St. Bernard faces

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

Inland flooding

59% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 88% of U.S. places

Heat waves

8% of expected damage

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

Recorded about 6 times a year in the area

Cold waves

5% 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 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 St. Bernard flood?

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

2paid claims since 2024

$41Kpaid to owners

1homes flooded more than once

20242026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. St. Bernard 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 St. Bernard

2 federal disasters brought FEMA money here

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

Brought FEMA money into St. BernardDeclared for Hamilton County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$76K to the Village of St. Bernard for repairs

2004

Snow

$7K to the Village of St. Bernard for repairs

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

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. St. Bernard covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to St. Bernard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of St. Bernard. 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 St. Bernard total about $1.5M 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.