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 4 claims here since 1981.

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 36% of U.S. communities, mostly from inland flooding.

Inland flooding67%Tornadoes9%Strong wind6%Hail6%Cold waves5%Everything else7%

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

67% of expected damage

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

Recorded about once a year in the area

Tornadoes

9% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 19 years in the area

Strong wind

6% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 2 times a year in the area

Hail

6% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 4 times a year in the area

Cold waves

5% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce 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 Union flood?

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

4paid claims since 1981

$21Kpaid to owners

0homes flooded more than once

19812026

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: Knox County.

Disasters that hit Union

Federal disasters declared here

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

Brought FEMA money into UnionDeclared for Knox County only

Knox 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

Tivertonmostly inland floodingModerate

Richlandmostly inland floodingModerate

Unionmostly inland floodingLow

Jeffersonmostly inland floodingLow

Butlermostly inland floodingLow

Brinkhavenmostly inland floodingLow

Howardmostly 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 1 census tract, 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 $1.9M 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.