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.

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 13% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding31%Tornadoes18%Strong wind17%Cold waves12%Lightning7%Heat waves6%Everything else8%

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

31% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once a year in the area

Tornadoes

18% of expected damage

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

Strong wind

17% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 2 times a year in the area

Cold waves

12% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 4 times a year in the area

Lightning

7% of expected damage

Above average · higher than 65% of U.S. places

Heat waves

6% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslides

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?

FEMA's records show no paid flood insurance claims in Union.

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: Madison County.

Disasters that hit Union

Federal disasters declared here

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

Brought FEMA money into UnionDeclared for Madison County only

Madison County has had 10 natural disasters declared since 1953, most often severe storms and winter storms.

Around Union

Union and the towns around it

Very lowLowModerateHighVery high

Somerfordmostly inland floodingModerate

Deer Creekmostly inland floodingLow

Oak Runmostly inland floodingLow

Fairfieldmostly inland floodingLow

Harmonymostly inland floodingVery low

Londonmostly inland floodingVery low

Paintmostly 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 1 census tract, combined by population.

Money that reached townFlood claims are matched to Union’s own flood-insurance community; 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 $359K 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.