Photo: Logan Rickert · CC BY 2.0FEMA puts Huber Heights’s expected hazard damage per building below that of 93% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Huber Heights gets an A for hazard risk: lower expected damage per building than 93% of U.S. towns, #178 of 993 in Ohio. Most of that expected damage is river and rain flooding (77%). Flood insurance has paid 7 claims here since 1990.
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
What stands out about Huber Heights’ natural hazards
From FEMA’s model and FEMA’s records, below.
What Huber Heights 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
Tornadoes
Earthquakes
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.
What’s behind Huber Heights’ grade
River and rain flooding is 77% of the building damage FEMA expects in Huber Heights, and Huber Heights’ rate of river and rain flooding damage is lower than 77% of U.S. census tracts. Next is tornadoes at 7% (higher than 52% of U.S. census tracts).
A #178 of 993 in Ohio; lower expected damage per building than 93% of U.S. towns (21,298).
Huber Heights’ residents live in 11 census tracts; FEMA’s figures are combined by where they live.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Huber Heights has less expected damage per building than 82% of Ohio towns.
In dollars, FEMA expects about $6.7M a year in losses across Huber Heights: $4.7M to buildings, the rest to people and crops.
Does Huber Heights flood? Rarely: 7 flood claims since 1990
Every paid claim on a federal flood insurance policy in Huber Heights, from FEMA’s records: 0.4 per 1,000 homes, fewer than 93% of the 13,809 U.S. towns with a flood insurance record.
Huber Heights isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.3 federal disasters brought FEMA money to Huber Heights
Disasters that paid out in Huber Heights itself (aid to households or repair grants to the City of Huber Heights), newest first, with that year’s flood claims.
- 2008Severe Wind Storm Associated with Tropical Depression Ike$224K to the City of Huber Heights for repairs
- 2004Snow$25K to the City of Huber Heights for repairs
- 2003Severe Winter Storm and Record/near Record Snow$20K to the City of Huber Heights for repairs1 flood claim paid that year
Montgomery County has had 10 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Huber Heights after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Huber Heights archive →Huber Heights and its neighbors
Huber Heights is 3rd of the 8 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Wright-Patterson AFB | A+among the lowest damage | river and rain flooding | 2 |
| Vandalia | A+less damage than 96% | river and rain flooding | — |
| Huber Heights | Aless damage than 93% | river and rain flooding | 7 |
| Bethel Township | Aless damage than 85% | river and rain flooding | 3 |
| Harrison Township | A−less damage than 84% | river and rain flooding | 17 |
| Riverside | A−less damage than 78% | river and rain flooding | 3 |
| Bethel Township | Bless damage than 64% | river and rain flooding | 26 |
| Dayton | Bless damage than 60% | river and rain flooding | 24 |
| Brandt | — | 210 residents; we grade 1,000+ | |
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.
Get ready for what Huber Heights faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Huber Heights
Is Huber Heights at risk for natural disasters?
On FEMA’s National Risk Index, Huber Heights has lower expected damage per building than 93% of U.S. towns: A for hazard risk, #178 of 993 in Ohio. Most of the expected damage is river and rain flooding (77%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Huber Heights flood?
Flood insurance has paid 7 claims in Huber Heights since 1990, $28K in all, or 0.4 per 1,000 homes, fewer than 93% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Huber Heights 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 Montgomery County, 25% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Huber Heights?
FEMA’s Community Rating System list shows no discount for Huber Heights’ 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 Huber Heights?
By FEMA money that reached Huber Heights, Severe Wind Storm Associated with Tropical Depression Ike (2008): $224K to the City of Huber Heights for repairs.
Is Huber Heights at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Huber Heights’ rate for it is lower than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Huber Heights.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Huber Heights’ 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.