Natural hazards · Utica

Utica, OH natural hazards

Most of the natural-hazard damage FEMA expects in Utica comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Utica?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Utica to be higher than in 46% of U.S. communities, mostly from inland flooding.

Inland flooding75%Hail8%Everything else17%

By hazard

What Utica faces

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

Inland flooding

75% of expected damage

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

Recorded about 3 times a year in the area

Hail

8% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Utica flood?

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

3paid claims since 1979

$17Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Utica isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Licking County.

Disasters that hit Utica

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Utica itself: aid to households, or repair grants to the Village of Utica.

Brought FEMA money into UticaDeclared for Licking County only

2012

Severe Storms and Straight-Line Winds

$10K to the Village of Utica for repairs

2008

Severe Wind Storm Associated With Tropical Depression Ike

$24K to the Village of Utica for repairs

2004

Severe Winter Storms, Flooding, and Mudslides

30 households applied for aid $16K aid approved $38K to the Village of Utica for repairs

2004

Severe Storms and Flooding

3 households applied for aid $558 aid approved

2003

Severe Winter Storm and Record/Near Record Snow

$2K to the Village of Utica for repairs

Licking County has had 16 natural disasters declared since 1953, most often severe storms and tornadoes.

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. Utica is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Utica’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Utica. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.