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 low for a U.S. community. Flood insurance has paid 1 claim here since 2020.

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

Expected damage

How exposed is Union?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Union to be higher than in 30% of U.S. communities, mostly from inland flooding.

Inland flooding60%Tornadoes13%Earthquakes6%Everything else22%

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

60% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once a year in the area

Tornadoes

13% of expected damage

Above average · higher than 72% of U.S. places

Earthquakes

6% of expected damage

Above average · higher than 59% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

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 2020

$3Kpaid to owners

0homes flooded more than once

20202026

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: Fayette County.

Disasters that hit Union

Federal disasters declared here

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

Brought FEMA money into UnionDeclared for Fayette County only

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

Around Union

Union and the towns around it

Very lowLowModerateHighVery high

Concordmostly inland floodingLow

Waynemostly inland floodingLow

Perrymostly inland floodingLow

Jaspermostly inland floodingLow

Jeffersonmostly inland floodingLow

Marionmostly inland floodingLow

Paintmostly inland floodingLow

Unionmostly inland floodingLow

Washington Court Housemostly 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. 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 $3.0M 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.