Hardin County, Ohio: hazard risk
FEMA rates Hardin County's overall risk Very Low (score 24.4 of 100, higher than 24% of rated U.S. counties). Its storm record holds 364 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Lightning | Relatively Moderate | 65.1 | $524K |
| Strong Wind | Relatively Moderate | 55.8 | $820K |
| Hail | Relatively Low | 58.9 | $462K |
| Winter Weather | Relatively Low | 48.6 | $77K |
| Ice Storm | Relatively Low | 45.2 | $86K |
| Cold Wave | Relatively Low | 44.4 | $981K |
| Riverine Flooding | Relatively Low | 40.2 | $6.2M |
| Tornado | Relatively Low | 36.3 | $930K |
| Earthquake | Very Low | 48.9 | $327K |
| Hurricane | Very Low | 43.6 | $52K |
| Landslide | Very Low | 26.4 | $283 |
| Heat Wave | Very Low | 23.5 | $108K |
| Wildfire | Very Low | 1.3 | $644 |
| Drought | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 136 | 0 | $1.3M | 82nd of 88 | 1245th of 3,080 |
| Winter storms | 90 | 0 | $94K | 37th of 88 | 738th of 3,077 |
| Hail | 51 | 0 | $11K | 81st of 88 | 2080th of 3,080 |
| Floods | 49 | 0 | $174K | 66th of 88 | 917th of 3,080 |
| High wind and dust storms | 13 | 1 | $5.3M | 76th of 88 | 1489th of 3,080 |
| Tornadoes | 11 | 0 | $2.2M | 62nd of 88 | 1880th of 3,080 |
| Heat | 5 | 0 | – | 34th of 88 | 1437th of 3,076 |
| Extreme cold | 4 | 0 | $806K | 75th of 88 | 1918th of 3,076 |
| Drought | 2 | 0 | – | 71st of 88 | 2251st of 3,063 |
| Heavy rain | 2 | 0 | – | 51st of 88 | 1449th of 3,080 |
| Lightning | 1 | 1 | – | 63rd of 88 | 1874th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Hardin County record: every hazard by year and month, the deadliest events and FEMA's declarations.