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Hebron, Ohio AerialPhoto: Ibagli · Public domain
A−Hazard risk
Natural hazards in Hebron · FEMA

Less hazard damage per building is expected in Hebron than in 82% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Hebron gets an A− for hazard risk: lower expected damage per building than 82% of U.S. towns. Most of that expected damage is river and rain flooding (76%), then hail (13%). Flood insurance has paid 41 claims here since 1978.

River and rain flooding 76%Hail 13%Tornadoes 3%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

less than 82%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in Ohio · lower than 82% of U.S. towns
Main hazard
River and rain flooding
76% of expected building damage
Flood claims
41
paid since 1978 · $560K
Flooded more than once
9
properties · 3 “severe repetitive loss”
Disasters paid out here
5
of 17 declared for Licking County

What stands out about Hebron’s natural hazards

From FEMA’s model and FEMA’s records, below.

Lower expected damage than 82% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Made safer with FEMA grants9 flood-prone properties bought out and cleared; 1 storm safe room built with FEMA grants.Remembers 20129 flood claims were paid for 2012 alone, the most of any year.
By hazard

What Hebron faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

River and rain flooding

76%of expected building damage
Below average · lower than 66% of U.S. census tracts
Recorded about 3 times a year in the area

Hail

13%of expected building damage
Well above average · in the top 10% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Tornadoes Strong wind Earthquakes Ice storms Winter storms Lightning Wildfire Hurricanes Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Hebron’s grade

River and rain flooding is 76% of the building damage FEMA expects in Hebron, and Hebron’s rate of river and rain flooding damage is lower than 66% of U.S. census tracts. Hail adds 13%, at a rate in the top 10% of U.S. census tracts.

Where Hebron sits
Hebron
Least damageMiddleMost damage

A− lower expected damage per building than 82% of U.S. towns (21,298).

All of Hebron’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding76%Hail13%Everything else11%

In dollars, FEMA expects about $953K a year in losses across Hebron: $790K to buildings, the rest to people and crops.

Shared tract.All of Hebron’s 2,326 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Hebron flood? Sometimes: 41 flood claims since 1978

Every paid claim on a federal flood insurance policy in Hebron, from FEMA’s records: 31.3 per 1,000 homes, more than 89% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1978: 1 claim1979: 3 claims1980: 0 claims1981: 0 claims1982: 0 claims1983: 0 claims1984: 0 claims1985: 2 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 1 claim1990: 2 claims1991: 0 claims1992: 1 claim1993: 0 claims1994: 3 claims1995: 1 claim1996: 2 claims1997: 5 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 2 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 9 claims2013: 0 claims2014: 3 claims2015: 0 claims2016: 0 claims2017: 2 claims2018: 0 claims2019: 0 claims2020: 4 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199720122020
19782026
41
paid claims since 1978
$560K
paid to owners
9
homes flooded more than once
$14K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (3)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Hebron isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Licking County.
What’s been done with FEMA grants
9flood-prone properties bought out and cleared
1storm safe room built
Disasters

5 federal disasters brought FEMA money to Hebron

Disasters that paid out in Hebron itself (aid to households or repair grants to the Village of Hebron), newest first, with that year’s flood claims.

  1. 2012Severe Storms and Straight-line Winds$11K to the Village of Hebron for repairs9 flood claims paid that year
  2. 2008Severe Wind Storm Associated with Tropical Depression Ike$15K to the Village of Hebron for repairs
  3. 2008Record Snow and Near Record Snow$5K to the Village of Hebron for repairs
  4. 2004Severe Winter Storms, Flooding, and Mudslides26 households applied for aid$14K aid approved$31K to the Village of Hebron for repairs
  5. 2003Severe Winter Storm and Record/near Record Snow$2K to the Village of Hebron for repairs
Disasters declared, by decade
Paid out in HebronLicking County only

Licking County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Hebron after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Hebron archive →
Next door

Hebron and its neighbors

Hebron has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.

Union Township: hazard risk BLicking Township: hazard risk B+Union TownshipLicking TownshipHebron
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
HebronA−less damage than 82%river and rain flooding41
Licking TownshipB+less damage than 71%river and rain flooding14
Union TownshipBless damage than 62%river and rain flooding17

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Hebron faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Hebron

Is Hebron at risk for natural disasters?

On FEMA’s National Risk Index, Hebron has lower expected damage per building than 82% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (76%) and hail (13%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Hebron flood?

Flood insurance has paid 41 claims in Hebron since 1978, $560K in all, or 31.3 per 1,000 homes, more than 89% of U.S. towns with a flood insurance record. 9 properties have flooded more than once.

Is Hebron in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Licking County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Hebron?

FEMA’s Community Rating System list shows no discount for Hebron’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Hebron?

By FEMA money that reached Hebron, Severe Winter Storms, Flooding, and Mudslides (2004): 26 households applied for aid, $14K approved, and $31K to the Village of Hebron for repairs.

Is Hebron at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (76%), and Hebron’s rate for it is lower than 66% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Hebron.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hebron’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.