TownTapestry
Sign inJoin
WhitewaterGood afternoon
Natural hazards · Whitewater

Whitewater, OH natural hazards

Most of the natural-hazard damage FEMA expects in Whitewater comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 23 claims here since 1978.

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

How exposed is Whitewater?

70
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Whitewater to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding74%Tornadoes14%Everything else12%
By hazard

What Whitewater faces

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

Inland flooding

74% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about 5 times a year in the area

Tornadoes

14% of expected damage
Well above average · higher than 95% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Whitewater flood?

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

23paid claims since 1978
$563Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • March storm: 3 claims, $113K
  • Central U.S. April Flooding: 2 claims, $86K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Whitewater isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hamilton County.
Disasters that hit Whitewater

Federal disasters declared here

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

Brought FEMA money into WhitewaterDeclared for Hamilton County only
Hamilton County has had 15 natural disasters declared since 1953, most often severe storms and floods.
Around Whitewater

Whitewater and the towns around it

Miami: Moderate, mostly inland floodingShawnee: High, mostly inland floodingGrandview: High, mostly inland floodingTaylor Creek: High, mostly inland floodingColerain: Low, mostly inland floodingHooven: High, mostly inland floodingCrosby: High, mostly inland floodingMiamitown: High, mostly inland floodingLawrenceburg: Low, mostly inland floodingBlue Jay: High, mostly inland floodingHarrison: High, mostly inland floodingCleves: Moderate, mostly inland floodingCincinnati: Low, mostly inland floodingAddyston: Moderate, mostly inland floodingNorth Bend: Moderate, mostly inland floodingGreen: Low, mostly inland floodingMack: Low, mostly inland floodingDent: Moderate, mostly inland floodingMiami Heights: Very low, mostly inland floodingDry Ridge: Low, mostly inland floodingNew Baltimore: High, mostly inland floodingDunlap: Low, mostly inland floodingWhite Oak: Low, mostly inland floodingNorth College Hill: Low, mostly inland floodingPleasant Run: Very low, mostly inland floodingForest Park: Very low, mostly tornadoesRoss: High, mostly inland floodingMorgan: Moderate, mostly inland floodingRoss: High, mostly inland floodingCenter: High, mostly inland floodingLawrenceburg: Low, mostly inland floodingMiller: Low, mostly inland floodingGreendale: Low, mostly inland floodingHidden Valley: Low, mostly inland floodingAurora: High, mostly inland floodingPetersburg: Moderate, mostly inland floodingManchester: Low, mostly inland floodingHarrison: Moderate, mostly inland floodingHarrison: High, mostly inland floodingWest Harrison: Very high, mostly inland floodingWhitewater: High, mostly inland flooding WhitewaterMiamiShawneeGrandviewTaylor CreekColerainHoovenCrosbyMiamitownLawrenceburgBlue JayHarrisonCleves
Very lowLowModerateHighVery high
Whitewatermostly inland floodingHigh
Shawneemostly inland floodingHigh
Grandviewmostly inland floodingHigh
Hoovenmostly inland floodingHigh
Taylor Creekmostly inland floodingHigh
Crosbymostly inland floodingHigh
Miamitownmostly inland floodingHigh
Blue Jaymostly inland floodingHigh
Harrisonmostly inland floodingHigh
Miamimostly inland floodingModerate
Clevesmostly inland floodingModerate
Lawrenceburgmostly inland floodingLow
Colerainmostly inland floodingLow
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. Whitewater covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Whitewater’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Whitewater. 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 Whitewater total about $3.2M 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.

The door’s open

Where to, neighbor?

You’re in Whitewater, OHHamilton CountyView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Whitewater is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
Open detailed map