Natural hazards · Twin

Twin, OH natural hazards

Most of the natural-hazard damage FEMA expects in Twin comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1999.

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

Expected damage

How exposed is Twin?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Twin to be higher than in 44% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes23%Strong wind9%Cold waves6%Everything else9%

By hazard

What Twin 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

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

Recorded about 2 times a year in the area

Tornadoes

23% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 38 years in the area

Strong wind

9% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 3 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Twin flood?

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

1paid claims since 1999

$674paid to owners

0homes flooded more than once

19992026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Preble County.

Disasters that hit Twin

Federal disasters declared here

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

Brought FEMA money into TwinDeclared for Preble County only

Preble County has had 9 natural disasters declared since 1953, most often severe storms and winter storms.

Around Twin

Twin and the towns around it

Very lowLowModerateHighVery high

Twinmostly inland floodingModerate

Laniermostly inland floodingModerate

Washingtonmostly inland floodingLow

Harrisonmostly inland floodingLow

Perrymostly 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. Twin covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Twin’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Twin. 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 Twin total about $1.0M 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.