Natural hazards · Vernon

Vernon, OH natural hazards

Most of the natural-hazard damage FEMA expects in Vernon comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2025.

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

Expected damage

How exposed is Vernon?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Vernon to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding62%Tornadoes11%Strong wind6%Cold waves5%Everything else17%

By hazard

What Vernon faces

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

Inland flooding

62% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 31 years in the area

Strong wind

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Cold waves

5% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Vernon flood?

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

1paid claims since 2025

$4Kpaid to owners

0homes flooded more than once

20252026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clinton County.

Disasters that hit Vernon

Federal disasters declared here

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

Brought FEMA money into VernonDeclared for Clinton County only

Clinton County has had 8 natural disasters declared since 1953, most often severe storms and winter storms.

Around Vernon

Vernon and the towns around it

Very lowLowModerateHighVery high

Vernonmostly inland floodingLow

Marionmostly inland floodingVery low

Washingtonmostly inland floodingVery low

Adamsmostly 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. Vernon covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Vernon’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Vernon. 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 Vernon total about $1.5M 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.