Natural hazards · Vandalia

Vandalia, OH natural hazards

Most of the natural-hazard damage FEMA expects in Vandalia comes from inland flooding, and overall the risk is very low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Vandalia?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Vandalia to be higher than in 8% of U.S. communities, mostly from inland flooding.

Inland flooding57%Cold waves12%Tornadoes9%Earthquakes7%Everything else15%

By hazard

What Vandalia faces

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

Inland flooding

57% of expected damage

Well below average · higher than 18% 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

Tornadoes

9% of expected damage

Below average · higher than 46% of U.S. places

Earthquakes

7% of expected damage

Above average · higher than 55% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Vandalia flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Montgomery County.

What’s been done with FEMA grants

4storm safe rooms built

1flood-prone properties bought out and cleared

Disasters that hit Vandalia

4 federal disasters brought FEMA money here

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

Brought FEMA money into VandaliaDeclared for Montgomery County only

2019

Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslide

1 household applied for aid $57K to the City of Vandalia for repairs

2008

Severe Wind Storm Associated With Tropical Depression Ike

$119K to the City of Vandalia for repairs

2004

Snow

$33K to the City of Vandalia for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$22K to the City of Vandalia for repairs

Montgomery County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.

Around Vandalia

Vandalia and the towns around it

Very lowLowModerateHighVery high

Daytonmostly inland floodingLow

Bethelmostly inland floodingVery low

Monroemostly inland floodingVery low

Harrisonmostly inland floodingVery low

Huber Heightsmostly inland floodingVery low

Vandaliamostly inland floodingVery low

Butlermostly 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. Vandalia covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Vandalia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Vandalia. 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 Vandalia total about $2.6M 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.