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Risk: Very Low

Union County, OH Environment & Hazard Risk

Very Low natural hazard risk, led by ice storm. 379 storm events since 1996.

Expected yearly loss
$19M
Relatively Low nationally
Storm events since 1996
379
Most often thunderstorm wind
Flood insurance policies
58
0.3% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Very Low

Score 32.7 of 100

Social vulnerability

Very Low

Score 10.6 of 100

Community resilience

Very High

Score 97.5 of 100

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

Building value exposed: $15.7B · Agriculture value exposed: $269M · Risk-adjusted yearly loss: $11M

Risk by hazard

  • Ice stormRelatively Moderate$524K/yr expected annual loss, about once every 1 year
  • HailRelatively Low$722K/yr expected annual loss, about 3.5 events a year
  • Winter weatherRelatively Low$155K/yr expected annual loss, about 12 events a year
  • TornadoRelatively Low$2.2M/yr expected annual loss, about once every 4 years
  • Heat waveRelatively Low$647K/yr expected annual loss, about 3.6 events a year
  • EarthquakeVery Low$459K/yr expected annual loss, about once every 722 years
  • LightningRelatively Low$255K/yr expected annual loss, about 45 events a year
  • DroughtRelatively Low$78.1K/yr expected annual loss, about once every 3 years
  • Strong windRelatively Low$588K/yr expected annual loss, about 2.4 events a year
  • LandslideVery Low$364/yr expected annual loss, about once every 15 years
  • HurricaneVery Low$13.8K/yr expected annual loss, about once every 145 years
  • Cold waveVery Low$467K/yr expected annual loss, about 4.8 events a year
  • WildfireVery Low$2,421/yr expected annual loss, about once every 33,671 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
58 of 22,008 (0.3%)
Homes in high-risk flood zones
168
Insured in high-risk zones
26 (15%)
Flood claims since 1978
56
Claims paid since 1978
$430K

Flood claims paid per year

Flood claims paid per year in Union County
Beta
  • Central U.S. April Flooding$39.3K · 1 claim
  • Late winter storms$14.4K · 3 claims
  • Flooding$5,877 · 4 claims

Storm history

Since 1996: 379 events, 2 deaths, $11.5M in damage

  • Thunderstorm Wind110
  • Winter Weather72
  • Hail57
  • Flood44
  • Winter Storm30
  • Flash Flood15
  • High Wind14
  • Heavy Snow10
  • Ice Storm6
  • Tornado5
Beta

Events per year

Storm events per year in Union County
8
11
7
12
24
14
26
12
11
14
13
18
29
25
9
9
8
6
10
9
Beta

12 tornadoes on record (EF0 2, EF2 1, F0 2, F1 4, F2 1, F3 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Dense Fog10/25/2000

    Union

    2 deaths, 1 injured, $100K damage

    What happened

    A tanker truck hauling 8,600 gallons of gasoline crashed into a car and three other commercial vehicles and exploded. Two people were killed and one injured. The accident occurred in fog that reduced visibility to near zero.

  • High Wind52 kt wind09/14/2008

    Union

    $5.5M 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.

  • Flash Flood06/02/1997

    Countywide, Union County

    $3M damage

    What happened

    Thunderstorms moved repeatedly over the same areas causing most creeks and streams to overflow their banks and flood county roads. Several residents were evacuated as up to 7.5 inches of rain fell in less than 24 hours.

  • TornadoF3, 7 mi path, 300 yd wide11/11/2002

    Raymond, Union County

    2 injured, $500K damage

    What happened

    The tornado moved into the northwest part of the county from Logan County, tracking northeast across rural areas. Nine homes were damaged, four of which were completely destroyed. Half a dozen barn and sheds were destroyed. A 400-foot metal hi-tension cellular tower was toppled and destroyed and numerous cars were totalled. The worst damage occurred to a modular home along Newton-Perkins Road. Two individuals in the home were severely injured.

  • Heavy Snow02/13/2007

    Union

    1 injured

    What happened

    Thirteen inches of snow was reported at the county garage with 11 inches measured in Marysville. A driver for FedEx suffered serious injuries on the 14th when ice from a vehicle ahead of him crashed through the windshield.

  • Frost/Freeze04/06/2007

    Union

    $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.

Drinking water

4 community water systems serve about 28,663 people. Violations since 2021.

1 system had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 1 system 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 4 toxic release facilities in Union County

Superfund sites

None in this county.

Toxic release facilities

Total: 739,880 lbs in 2024, 638,524 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk4 historic places

Frequently asked questions

How risky is Union County for natural disasters?
FEMA rates Union County very low for overall natural hazard risk, with expected losses of $19M a year. The highest-rated hazards are ice storm (relatively moderate), hail (relatively low), winter weather (relatively low).
What storms are most common in Union County?
Since 1996, NOAA recorded 379 storm events affecting Union County, most often thunderstorm wind (110), winter weather (72), hail (57).
How many tornadoes have hit Union County?
12 tornadoes have been recorded in Union County since 1950, including 1 rated F3/EF3 or stronger.
How many homes in Union County have flood insurance?
58 residential flood insurance policies are in force in Union County, covering about 0.3% of homes. The program has paid $430K on 56 claims here since 1978.
What is the weather like in Union County?
At Marysville, average highs reach 85°F in Jul and lows fall to 21°F in Jan, with 40.5 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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