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Natural hazards · Union

Union, OH natural hazards

Most of the natural-hazard damage FEMA expects in Union comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 8 claims here since 1979.

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

How exposed is Union?

6
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Union to be higher than in 6% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes16%Cold waves14%Heat waves8%Strong wind6%Everything else13%
By hazard

What Union faces

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

Inland flooding

43% of expected damage
Well below average · higher than 11% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

16% of expected damage
Above average · higher than 67% of U.S. places

Cold waves

14% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 2 times a year in the area

Heat waves

8% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about 6 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Union flood?

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

8paid claims since 1979
$72Kpaid to owners
0homes flooded more than once
19792026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Union isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clermont County.
Disasters that hit Union

Federal disasters declared here

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

Brought FEMA money into UnionDeclared for Clermont County only
Clermont County has had 15 natural disasters declared since 1953, most often severe storms and winter storms.
Around Union

Union and the towns around it

Miami: Very low, mostly inland floodingMilford: Moderate, mostly inland floodingStonelick: Very low, mostly inland floodingBatavia: Very low, mostly inland floodingWithamsville: Very low, mostly inland floodingPierce: Very low, mostly inland floodingAnderson: Low, mostly inland floodingGoshen: Low, mostly inland floodingLoveland: Low, mostly inland floodingSymmes: Low, mostly inland floodingThe Village of Indian Hill: Low, mostly inland floodingMiamiville: Low, mostly inland floodingCamp Dennison: High, mostly inland floodingTerrace Park: High, mostly inland floodingWayne: Low, mostly inland floodingJackson: Low, mostly inland floodingOwensville: Very low, mostly inland floodingWilliamsburg: Low, mostly inland floodingTate: Low, mostly inland floodingMonroe: Low, mostly inland floodingOhio: Very high, mostly inland floodingNew Richmond: Very high, mostly inland floodingAmelia: Very low, mostly inland floodingCincinnati: Low, mostly inland floodingColumbia: Low, mostly inland floodingTurpin Hills: Low, mostly inland floodingSalem Heights: Low, mostly inland floodingColdstream: Moderate, mostly inland floodingSherwood: Very low, mostly inland floodingFruit Hill: Low, mostly inland floodingMariemont: High, mostly inland floodingUnion: Very low, mostly inland flooding UnionMiamiMilfordStonelickBataviaWithamsvillePierceAnderson
Very lowLowModerateHighVery high
Milfordmostly inland floodingModerate
Andersonmostly inland floodingLow
Miamimostly inland floodingVery low
Stonelickmostly inland floodingVery low
Piercemostly inland floodingVery low
Withamsvillemostly inland floodingVery low
Bataviamostly inland floodingVery low
Unionmostly 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. Union covers 11 census tracts, combined by population.
Money that reached townFlood claims are matched to Union’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Union. 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 Union total about $8.7M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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