Enter any address in Hardin County, Ohio to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Hardin County. Between 2000 and 2020, NOAA data recorded 32 flood events and 16 flash flood events. Recent examples include heavy rains from thunderstorms on July 7, 2020, and May 18, 2020, which caused flooding.
FEMA data shows that properties in Zone A have experienced more flood claims, with an average of 9 claims resulting in payouts of $9,412 and water depths of 12.2 feet. While Zone X has fewer claims (3), the average payout was higher at $30,692, with an average water depth of 1.7 feet. Homeowners in Zone A, particularly those near rivers or in areas prone to heavy rainfall, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
Hardin County, Ohio has recorded 48 flood-related events since 1996 according to NOAA's Storm Events Database, including 16 flash floods and 32 river or area floods. The county has received 12 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1977–2020)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms | Severe Storm | Jun 29, 2012 |
| Severe Storms And Straight-line Winds | Severe Storm | Jun 29, 2012 |
| Record Snow And Near Record Snow | Snowstorm | Mar 7, 2008 |
| Severe Storms, Flooding, And Tornadoes | Severe Storm | Aug 20, 2007 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Winter Storms, Flooding, And Mudslides | Severe Storm | Dec 22, 2004 |
| Snow | Snowstorm | Dec 22, 2004 |
| Severe Storms And Flooding | Severe Storm | Aug 27, 2004 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | May 19, 2020 | 0.00K |
| Flood | May 18, 2020 | 0.00K |
| Flood | Sep 7, 2020 | 0.00K |
| Flood | Jun 18, 2019 | 0.00K |
| Flood | Jun 16, 2019 | 0.00K |
| Flood | Jul 6, 2019 | 0.00K |
| Flood | Jun 22, 2018 | 0.00K |
| Flood | May 18, 2017 | 0.00K |
| Flood | Jun 13, 2017 | 0.00K |
| Flash Flood | Jul 13, 2017 | 1.00K |
Flash Flood — May 19, 2020
A slow moving upper level low pressure system produced showers and thunderstorms across the Ohio Valley.
Flood — May 18, 2020
A slow moving upper level low pressure system produced showers and thunderstorms across the Ohio Valley.
Flood — Sep 7, 2020
Showers and thunderstorms developed during the afternoon and evening hours along a stalled frontal boundary that was stretching across central Ohio. The thunderstorms continued into the early morning hours of the 8th, producing areas of heavy rain.
Flood — Jun 18, 2019
Severe thunderstorms producing heavy rains developed on an oscillating frontal boundary draped across the region.
Flood — Jun 16, 2019
Severe thunderstorms producing heavy rains developed on a stalled frontal boundary draped across the region.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Hardin County, Ohio:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Hardin County, Ohio that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.