Natural hazards · Wilmington

Wilmington, OH natural hazards

Most of the natural-hazard damage FEMA expects in Wilmington comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 1979. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Wilmington?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wilmington to be higher than in 6% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes17%Strong wind9%Earthquakes7%Heat waves6%Cold waves5%Everything else8%

By hazard

What Wilmington faces

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

Inland flooding

48% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

Above average · higher than 72% of U.S. places

Strong wind

9% of expected damage

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

Recorded about 2 times a year in the area

Earthquakes

7% of expected damage

Above average · higher than 60% of U.S. places

Heat waves

6% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 5 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 weatherWildfireLandslidesLightningDrought

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 Wilmington flood?

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

1paid claims since 1979

$697paid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Wilmington 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 Wilmington

2 federal disasters brought FEMA money here

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

Brought FEMA money into WilmingtonDeclared for Clinton County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$124K to the City of Wilmington for repairs

2008

Record Snow and Near Record Snow

$47K to the City of Wilmington for repairs

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

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. Wilmington covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Wilmington’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Wilmington. 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 Wilmington total about $2.2M 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.