Natural hazards · Whitehouse

Whitehouse, OH natural hazards

Most of the natural-hazard damage FEMA expects in Whitehouse comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1982. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Whitehouse?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Whitehouse to be higher than in 28% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding64%Tornadoes16%Cold waves7%Everything else13%

By hazard

What Whitehouse faces

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

Inland flooding

64% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

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

Cold waves

7% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Whitehouse flood?

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

5paid claims since 1982

$22Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lucas County.

Disasters that hit Whitehouse

1 federal disaster brought FEMA money here

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

Brought FEMA money into WhitehouseDeclared for Lucas County only

2006

Severe Storms, Tornadoes, Straight Line Winds, and Flooding

4 households applied for aid $2K aid approved

Lucas County has had 13 natural disasters declared since 1953, most often severe storms and floods.

Around Whitehouse

Whitehouse and the towns around it

Very lowLowModerateHighVery high

Whitehousemostly inland floodingLow

Watervillemostly inland floodingLow

Swantonmostly 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. Whitehouse covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Whitehouse’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Whitehouse. 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 Whitehouse total about $1.2M 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.