Natural hazards · Sterling

Sterling, OH natural hazards

Most of the natural-hazard damage FEMA expects in Sterling comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Sterling?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sterling to be higher than in 41% of U.S. communities, mostly from inland flooding.

Inland flooding59%Strong wind10%Tornadoes9%Cold waves6%Everything else17%

By hazard

What Sterling 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

Above average · higher than 62% of U.S. places

Recorded about 3 times a year in the area

Strong wind

10% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 35 years in the area

Cold waves

6% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Sterling flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Brown County.

Disasters that hit Sterling

Federal disasters declared here

None of the disasters declared for Brown County shows FEMA aid or repair money reaching Sterling itself in FEMA’s records.

Brought FEMA money into SterlingDeclared for Brown County only

Brown County has had 16 natural disasters declared since 1953, most often severe storms and floods.

Around Sterling

Sterling and the towns around it

Very lowLowModerateHighVery high

Sterlingmostly inland floodingModerate

Greenmostly inland floodingModerate

Perrymostly inland floodingLow

Jacksonmostly inland floodingLow

Pikemostly inland floodingLow

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. Sterling 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 Sterling’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Sterling. 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.