FEMA Records
12
Low volume
Ohio · FEMA + NOAA + National Risk Index
Hardin County, OH
12 FEMA disaster declarations (1977-2020), with a FEMA National Risk Index rating of Very Low. Most common hazard: Severe Storm.
- 12
- FEMA declarations
- 5
- Major disasters
- 24
- NRI risk · Very Low
- Severe Storm
- Top hazard
The verdict
Hardin County has a nationally busy FEMA history: 12 declarations, more than 14% of counties in this registry. But the state comparison tempers that reading: the total is 18% below the Ohio county mean. FEMA's separate National Risk Index places the county safer than 24%; that score models loss and vulnerability rather than counting declarations.
- Safer than 24%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 12
- FEMA declarations vs 21 national county avg
- 17
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
How does Hardin County compare?
Hardin County vs. all counties in this dataset
FEMA disaster declarations, all-time
12 14th percentile higher than 14% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-03
Hardin County's FEMA Risk Index score
FEMA National Risk Index composite score vs. the Ohio county average
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Hardin County is led by Riverine Flooding (about $6.2M Expected Annual Loss, Historical Loss Ratio Relatively Moderate), while Lightning carries the highest National Risk Index rating (Relatively Moderate). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Hardin County's hazard record show?
Declaration frequency
Nationally, Hardin County's 12 FEMA records form a high-volume history; within Ohio, however, the count is 18% below the county mean. 5 entries carry the Major Disaster classification. The largest incident group is Severe Storm, appearing 5 times. The full 43-year record averages 0.3 declarations annually. A DR label alone does not say whether Individual Assistance, Public Assistance, or both followed.
FEMA National Risk Index
This county's FEMA National Risk Index composite lands at 24.4/100 (Very Low), a modest reading against the rest of the country. Expected Annual Loss is rated Very Low (roughly $10.6M in annualized losses), tempered or compounded by a Very Low social-vulnerability score and Relatively High community-resilience score. Among the 18 modeled hazards, Lightning carries the county's highest rating, a mid-range Relatively Moderate. FEMA's modeled frequency puts that hazard at an average of 42 times per year here, based on 64,400 historical events on record.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 17 claims and $329.5K paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
Start with the state benchmark: a Ohio county averages 14.6 federal declaration records, while Hardin County has 12. The gap is 18% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
39 /100
Historical Activity Index
Moderate historical activity
Hardin County, OH · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) Moderate
9/30
12 OpenFEMA declarations, full ingest window (0.6x national county average)
County Disaster Density Moderate
10/25
12 declarations (0.8x state county average of 15)
Major Disaster Share Moderate
10/25
5 of 12 declarations are major disasters (42%)
Hazard Diversity High
10/20
4 different disaster types declared in Hardin County
Historical Declaration Activity
Activity Band
High
vs. Ohio Avg
-18%
State avg: 14.6
vs. National Avg
-42%
National avg: 20.7
Avg Per Year
0.3
Over 43 years
FEMA NRI 8-hazard radar - Hardin County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
42%
Mixed major share
NRI risk score
24
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Hardin County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Lightning | Relatively Moderate | an average of 42 times per year |
| Hail | Relatively Low | an average of 3.4 times per year |
| Strong Wind | Relatively Moderate | an average of 2.8 times per year |
| Earthquake | Very Low | roughly once every 576 years |
| Winter Weather | Relatively Low | an average of 12 times per year |
| Ice Storm | Relatively Low | roughly once every 2 years |
| Cold Wave | Relatively Low | an average of 4.9 times per year |
| Hurricane | Very Low | roughly once every 58 years |
| Riverine Flooding | Relatively Low | an average of 1.4 times per year |
| Tornado | Relatively Low | roughly once every 3 years |
| Landslide | Very Low | roughly once every 14 years |
| Heat Wave | Very Low | 3.7 modeled event-days per year |
| Wildfire | Very Low | roughly once every 33,763 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 5
Snowstorm 4
Biological 2
Hurricane 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Hardin County's record, 42% of its declarations. In FEMA's vocabulary this covers convective weather: thunderstorm straight-line winds, large hail, and the multi-day outbreaks that often carry embedded tornadoes. Activity is heaviest in spring and summer, though the season varies by region.
These events behave differently from a hurricane on paper. Damage tends to be distributed along a storm track rather than concentrated on a coastline, and a declaration typically follows an outbreak that crossed several counties over a few days, not a single point of impact. Because the qualifying threshold is the cost of uninsured public and individual losses rather than storm intensity, two similar storms can produce a declaration in one year and none in another.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Emergency - 7 58.3%
of all 12 declarations
Major Disaster - 5 41.7%
of all 12 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2020 | 2 | |
| 2012 | 2 | |
| 2008 | 1 | |
| 2007 | 1 | |
| 2005 | 3 | |
| 2004 | 1 | |
| 1978 | 1 | |
| 1977 | 1 | |
Disaster Declarations
How the 12 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 12 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4507 | COVID-19 PANDEMIC | DR | Biological | 2020-03-31 |
| 3457 | COVID-19 | EM | Biological | 2020-03-13 |
| 4077 | SEVERE STORMS AND STRAIGHT-LINE WINDS | DR | Severe Storm | 2012-08-20 |
| 3346 | SEVERE STORMS | EM | Severe Storm | 2012-06-30 |
| 3286 | RECORD SNOW AND NEAR RECORD SNOW | EM | Snowstorm | 2008-04-24 |
| 1720 | SEVERE STORMS, FLOODING, AND TORNADOES | DR | Severe Storm | 2007-08-27 |
| 3250 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-13 |
| 1580 | SEVERE WINTER STORMS, FLOODING, AND MUDSLIDES | DR | Severe Storm | 2005-02-15 |
| 3198 | SNOW | EM | Snowstorm | 2005-01-11 |
| 1556 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2004-09-19 |
| 3055 | BLIZZARDS & SNOWSTORMS | EM | Snowstorm | 1978-01-26 |
| 3029 | SNOWSTORMS | EM | Snowstorm | 1977-02-02 |
Storm Events in Ohio
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Hardin County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 6,938 | 6 | 39 | $60.4M |
| Winter Weather | 2,101 | 7 | 42 | $3.3M |
| Hail | 1,749 | 0 | 0 | $673.5K |
| Flood | 1,607 | 9 | 0 | $84.5M |
| Flash Flood | 1,089 | 9 | 7 | $112.2M |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
17
Total Paid
$329.5K
Avg Per Claim
$19.4K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 24.4/100
Expected Annual Loss
Very Low
$10.6M/year
Social Vulnerability
Very Low
Community Resilience
Relatively High
Hazard Risk Breakdown
Lightning Relatively Moderate
Hail Relatively Low
Strong Wind Relatively Moderate
Earthquake Very Low
Winter Weather Relatively Low
Ice Storm Relatively Low
Cold Wave Relatively Low
Hurricane Very Low
Riverine Flooding Relatively Low
Tornado Relatively Low
Landslide Very Low
Heat Wave Very Low
Wildfire Very Low
Drought No Rating
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Lightning
Lightning is modeled as a high-frequency, low-per-event hazard: strike counts are large, but each strike affects a very small area. Its aggregate cost accumulates through structure fires, electrical and electronic damage, and it is one of the few hazards whose risk is essentially continuous through the season rather than episodic.
For Hardin County the two measures on this page point the same way: Lightning is the county's highest-rated modeled hazard (Relatively Moderate), and Severe Storm declarations also lead its federal record. Where the model and the declaration history agree, the reading is comparatively straightforward, the hazard is both expected and repeatedly realised.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Hardin County's closest FEMA peer: Lake County, OR
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Hardin County. Record similarity, not a safety rating.
Closest declaration profiles
Hardin County shows 12 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Hardin County: 5 of 12 of its declarations are Major.
Similar modeled NRI score
Hardin County: NRI composite 24.4 (Very Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Hardin County - capture-dated entries only.
Further reading for this county
Most disaster-prone counties
With 12 FEMA declarations, Hardin County sits in the high-volume declaration band - see how that count ranks against other U.S. counties.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Related
Frequently Asked Questions
What is the most common disaster type in Hardin County?
The most common disaster type in Hardin County is Severe Storm, with 5 declarations. Other disaster types include Snowstorm (4), Biological (2), Hurricane (1).
How does Hardin County's FEMA declaration record compare with the Ohio average?
The typical Ohio county has 14.6 FEMA declaration records; Hardin County has 12, or 18% fewer. Against the national county mean of 20.7, this county's total is 42% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Hardin County received?
Hardin County has received 5 major disaster declarations, representing 42% of all 12 disaster declarations.
How many flood insurance claims has Hardin County filed?
Hardin County has 17 National Flood Insurance Program (NFIP) claims totaling $329.5K in payments, with an average of $19.4K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Hardin County?
No. In Hardin County, Lightning has the highest National Risk Index rating (Relatively Moderate), while Riverine Flooding leads Expected Annual Loss at about $6.2M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Hardin County?
The most active year for disaster declarations in Hardin County was 2005, with 3 declarations. The county has FEMA disaster data spanning 1977 to 2020.
What is the FEMA National Risk Index score for Hardin County?
According to the FEMA National Risk Index, Hardin County, Ohio has an overall risk score of 24.4 out of 100 (Very Low). Social vulnerability here rates Very Low, while community resilience comes in at Relatively High. The Expected Annual Loss (EAL) score is Very Low, representing $10.6M in annualized losses.
Which natural hazard poses the greatest risk to Hardin County?
Based on FEMA NRI data, the highest-risk natural hazard in Hardin County is Lightning (risk rating: Relatively Moderate). Other significant hazards include Hail (Relatively Low) and Strong Wind (Relatively Moderate). FEMA's modeled event frequency puts lightning here at an average of 42 times per year, drawn from 64,400 historical events on record. The underlying methodology weighs historical event frequency against exposed assets and community vulnerability.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
What this means for Hardin County
Against a Ohio county mean of 15 declarations, Hardin County, OH records 12, or 18% fewer. PlainHazard classifies that historical total as high activity.
- Emergency is the largest group (7 of 12) in a declaration history that remains below its state benchmark; frequency here is not a forecast. Ohio overview
- Nationally the county exceeds 14% of recorded county totals, but its own Ohio benchmark is higher. The ranking keeps those two contexts separate. Most-disaster rankings
- A short NFIP claims file cannot establish low flood exposure; the data guide explains the limits of each federal measure. Disaster-data guide
A below-average federal record is not a safety guarantee. Use National Weather Service alerts and local emergency-management notices for present conditions, not this historical comparison.
PlainHazard derives this profile from FEMA's Disaster Declarations Summaries and National Risk Index data. The declaration comparison covers 3,266 U.S. counties and county equivalents in this database, refreshed as of 2026-08-03. Read our methodology - how this data is sourced, computed, and verified.
All federal data sources used on this page
- FEMA OpenFEMA, Disaster Declarations Summaries v2 - all federally-declared disasters for this county. fema.gov/openfema/disaster-declarations
- FEMA National Risk Index (NRI) - per-county per-hazard risk ratings and expected annual loss. hazards.fema.gov/nri
- NOAA NCEI Storm Events Database - state-level storm/severe-weather event records, 2015-2025. ncdc.noaa.gov/stormevents
Data sourced from official public datasets. See our methodology for details. Retrieved and formatted by PlainHazard Editorial
Verify with FEMA → · Verify with FEMA NRI → · Verify with NOAA →
Every figure on PlainHazard is rendered directly from FEMA federal disaster data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or national statistics report, the data & editorial changelog, or report a data error.