Natural hazards · Symmes

Symmes, OH natural hazards

Most of the natural-hazard damage FEMA expects in Symmes comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 30 claims here since 1979.

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

Expected damage

How exposed is Symmes?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Symmes to be higher than in 33% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding61%Tornadoes19%Heat waves9%Cold waves6%Everything else6%

By hazard

What Symmes faces

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

Inland flooding

61% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 87% of U.S. places

Heat waves

9% of expected damage

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

Recorded about 6 times a year in the area

Cold waves

6% 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 Symmes flood?

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

30paid claims since 1979

$461Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

March storm: 3 claims, $51K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Symmes 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 Symmes

Federal disasters declared here

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

Brought FEMA money into SymmesDeclared for Hamilton County only

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

Around Symmes

Symmes and the towns around it

Very lowLowModerateHighVery high

Camp Dennisonmostly inland floodingHigh

The Village of Indian Hillmostly inland floodingLow

Remingtonmostly inland floodingLow

Symmesmostly inland floodingLow

Lovelandmostly inland floodingLow

Loveland Parkmostly inland floodingLow

Miamivillemostly inland floodingLow

Hamiltonmostly inland floodingLow

Miamimostly inland floodingVery low

Deerfieldmostly inland floodingVery low

Sycamoremostly inland floodingVery low

Sixteen Mile Standmostly inland floodingVery low

Montgomerymostly 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. Symmes covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Symmes’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Symmes. 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 Symmes total about $7.9M 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.