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 1 claim here since 2022.

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

Expected damage

How exposed is Union?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Union to be higher than in 12% of U.S. communities, mostly from inland flooding.

Inland flooding52%Tornadoes15%Strong wind8%Cold waves6%Earthquakes6%Heat waves5%Everything else10%

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

52% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

15% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 31 years in the area

Strong wind

8% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

6% of expected damage

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

Heat waves

5% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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.

1paid claims since 2022

$9Kpaid to owners

0homes flooded more than once

20222026

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: Clinton County.

Disasters that hit Union

Federal disasters declared here

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

Brought FEMA money into UnionDeclared for Clinton County only

Clinton County has had 8 natural disasters declared since 1953, most often severe storms and winter storms.

Around Union

Union and the towns around it

Very lowLowModerateHighVery high

Richlandmostly inland floodingLow

Wilsonmostly inland floodingLow

Washingtonmostly inland floodingVery low

Unionmostly inland floodingVery low

Adamsmostly inland floodingVery low

Libertymostly inland floodingVery low

Chestermostly inland floodingVery low

Greenmostly 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 3 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 $3.2M 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.