Natural hazards · Xenia

Xenia, OH natural hazards

Most of the natural-hazard damage FEMA expects in Xenia comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 12 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Xenia?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Xenia to be higher than in 14% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves29%Tornadoes12%Earthquakes6%Everything else14%

By hazard

What Xenia faces

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

Inland flooding

39% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 2 times a year in the area

Cold waves

29% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 71% of U.S. places

Earthquakes

6% of expected damage

Above average · higher than 58% 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 Xenia flood?

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

12paid claims since 1979

$191Kpaid to owners

2homes flooded more than once

19792026

Biggest named events

March storm: 1 claim, $13K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Greene County.

What’s been done with FEMA grants

26storm safe rooms built

5flood-prone properties bought out and cleared

Disasters that hit Xenia

6 federal disasters brought FEMA money here

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

Brought FEMA money into XeniaDeclared for Greene County only

2019

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

41 households applied for aid $2K aid approved

2008

Severe Wind Storm Associated With Tropical Depression Ike

$159K to the City of Xenia for repairs

2008

Record Snow and Near Record Snow

$32K to the City of Xenia for repairs

2004

Snow

$43K to the City of Xenia for repairs

2003

Severe Winter Storm and Record/Near Record Snow

$33K to the City of Xenia for repairs

2000

Severe Storms and Tornado

$313K to the City of Xenia for repairs

Greene County has had 14 natural disasters declared since 1953, most often severe storms and winter storms.

Around Xenia

Xenia and the towns around it

Very lowLowModerateHighVery high

Sugarcreekmostly inland floodingLow

Spring Valleymostly inland floodingLow

Beavercreekmostly inland floodingVery low

Xeniamostly inland floodingVery low

Wilberforcemostly 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. Xenia covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Xenia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Xenia. 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 Xenia total about $3.5M 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.