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Risk: Relatively Low

Preble County, OH Environment & Hazard Risk

Relatively Low natural hazard risk, led by strong wind. 454 storm events since 1996.

Expected yearly loss
$14.6M
Relatively Low nationally
Storm events since 1996
454
Most often thunderstorm wind
Flood insurance policies
87
0.5% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 43.3 of 100

Social vulnerability

Relatively Low

Score 30.9 of 100

Community resilience

Relatively High

Score 66.6 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $9.4B · Agriculture value exposed: $188M · Risk-adjusted yearly loss: $14.3M

Risk by hazard

  • Strong windRelatively Moderate$1.4M/yr expected annual loss, about 3.1 events a year
  • TornadoRelatively Moderate$3.5M/yr expected annual loss, about once every 3 years
  • EarthquakeRelatively Low$577K/yr expected annual loss, about once every 607 years
  • Ice stormRelatively Moderate$153K/yr expected annual loss, about 1.0 events a year
  • LandslideVery Low$1,721/yr expected annual loss, about once every 9 years
  • Cold waveRelatively Low$913K/yr expected annual loss, about 4.3 events a year
  • HailRelatively Low$248K/yr expected annual loss, about 3.8 events a year
  • Winter weatherRelatively Low$43K/yr expected annual loss, about 11 events a year
  • LightningRelatively Low$152K/yr expected annual loss, about 46 events a year
  • Heat waveVery Low$178K/yr expected annual loss, about 5.2 events a year
  • DroughtVery Low$27.5K/yr expected annual loss, about once every 3 years
  • HurricaneVery Low$13.2K/yr expected annual loss, about once every 174 years
  • WildfireVery Low$4,843/yr expected annual loss, about once every 42,723 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
87 of 18,459 (0.5%)
Homes in high-risk flood zones
441
Insured in high-risk zones
65 (15%)
Flood claims since 1978
48
Claims paid since 1978
$372K

Flood claims paid per year

Flood claims paid per year in Preble County
Beta
  • Flooding$18.9K · 4 claims
  • Late winter storms$0 · 1 claim

Storm history

Since 1996: 454 events, 3 deaths, $9.9M in damage

  • Thunderstorm Wind156
  • Winter Weather83
  • Hail47
  • Flood40
  • Flash Flood39
  • Winter Storm29
  • High Wind16 · 2 deaths
  • Heavy Snow11
  • Tornado9
  • Ice Storm7
Beta

Events per year

Storm events per year in Preble County
8
15
8
11
20
19
12
16
26
18
21
19
23
22
12
14
14
13
13
12
Beta

17 tornadoes on record (EF0 6, EF1 2, F0 1, F1 4, F2 2, F3 1, F4 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • High Wind58 kt wind09/14/2008

    Preble

    2 deaths, $5M damage

    What happened

    Strong winds of 40 to 50 miles per hour were sustained for several hours. Gusts over 60 mph were common. Widespread damage occurred across the region, from trees being blown down on powerlines, to significant crop losses and structural damage. A husband and wife were killed by a falling tree while riding a motorcycle in Hueston Woods State Park.

  • Dense Fog02/08/2000

    Preble

    1 death, 14 injured, $250K damage

    What happened

    An area of dense fog formed along Interstate 70 during the late evening hours. The dense fog was the cause of a pileup of vehicles, which led to 1 death and 14 injuries.

  • Flood01/27/2012

    Green Bush, Preble County

    2 injured, $15K damage

    What happened

    A car was swept off a driveway bridge into Elk Creek, as Elk Creek had risen beyond its banks due to heavy rain.

  • Thunderstorm Wind75 kt wind11/07/1996

    West Manchester, Preble County

    $1M damage

    What happened

    Numerous roofs were blown off homes. Camper blown off the owner's property. Farm machinery blown over. Abandoned school house completely destroyed. Numerous trees downed. Two tractor-trailers were blown over. Nine electricity poles downed causing thousands of residents to lose power.

  • Frost/Freeze04/06/2007

    Preble

    $540K damage

    What happened

    Unseasonably warm temperatures for an extended period of time in March allowed much of the Ohio Valley to begin its agricultural growing season early. In early April, a cold snap with low temperatures dropping into the low 20s threatened agricultural interests across the region. |The full effect of these weather extremes is still yet to be known, and will not be known until the fall harvest can be compared with yields from previous years. The initial estimate of 16.74 million in crop damage was split evenly between 31 Ohio counties.

  • Flash Flood06/15/2003

    Fairhaven, Preble County

    $500K damage

    What happened

    Two bridges washed out, one of which was completely destroyed, on Fairhaven-College Corner Road and Buck Paxton Road. Little Four Mile Creek came out of its banks along both roads.

Drinking water

12 community water systems serve about 21,241 people. Violations since 2021.

3 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 6 systems had a violation of any kind still open at last report.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

0 Superfund sites and 7 toxic release facilities in Preble County

Superfund sites

None in this county.

Toxic release facilities

Total: 38,929 lbs in 2024, 30,116 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk16 historic places

Frequently asked questions

How risky is Preble County for natural disasters?
FEMA rates Preble County relatively low for overall natural hazard risk, with expected losses of $14.6M a year. The highest-rated hazards are strong wind (relatively moderate), tornado (relatively moderate), earthquake (relatively low).
What storms are most common in Preble County?
Since 1996, NOAA recorded 454 storm events affecting Preble County, most often thunderstorm wind (156), winter weather (83), hail (47).
How many tornadoes have hit Preble County?
17 tornadoes have been recorded in Preble County since 1950, including 2 rated F3/EF3 or stronger.
How many homes in Preble County have flood insurance?
87 residential flood insurance policies are in force in Preble County, covering about 0.5% of homes. The program has paid $372K on 48 claims here since 1978.
What is the weather like in Preble County?
At Eaton, average highs reach 85°F in Jul and lows fall to 17°F in Jan, with 43.1 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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