Photo: Brian Stansberry (photographer) · CC BY 4.0FEMA puts Sharonville’s expected hazard damage per building below that of 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Sharonville gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns, #334 of 993 in Ohio. Most of that expected damage is river and rain flooding (68%), then tornadoes (23%). Flood insurance has paid 54 claims here since 1979.
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 Sharonville’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Sharonville 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
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 Sharonville’s grade
River and rain flooding is 68% of the building damage FEMA expects in Sharonville, and Sharonville’s rate of river and rain flooding damage is lower than 74% of U.S. census tracts. Next is tornadoes at 23% (higher than 88% of U.S. census tracts).
A #334 of 993 in Ohio; lower expected damage per building than 87% of U.S. towns (21,298).
Sharonville’s residents live in 6 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, Sharonville has less expected damage per building than 66% of Ohio towns.
In dollars, FEMA expects about $5.1M a year in losses across Sharonville: $3.9M to buildings, the rest to people and crops.
Does Sharonville flood? Sometimes: 54 flood claims since 1979
Every paid claim on a federal flood insurance policy in Sharonville, from FEMA’s records: 7.3 per 1,000 homes, more than 68% of the 13,809 U.S. towns with a flood insurance record.
- The March storm8 claims · $404K
Sharonville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hamilton County.3 federal disasters brought FEMA money to Sharonville
Disasters that paid out in Sharonville itself (aid to households or repair grants to the City of Sharonville), newest first, with that year’s flood claims.
- 2008Severe Wind Storm Associated with Tropical Depression Ike$93K to the City of Sharonville for repairs8 flood claims paid that year
- 2004Snow$41K to the City of Sharonville for repairs
- 2001Severe Storms and Flooding$96K to the City of Sharonville for repairs11 flood claims paid that year
Hamilton County has had 16 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.
Old photos of Sharonville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sharonville archive →Sharonville and its neighbors
Sharonville is 5th 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 |
|---|---|---|---|
| Springdale | A+less damage than 97% | river and rain flooding | 6 |
| Blue Ash | A+less damage than 97% | river and rain flooding | 3 |
| Deerfield Township | Aless damage than 89% | river and rain flooding | 3 |
| Sycamore Township | Aless damage than 88% | river and rain flooding | 6 |
| Sharonville | Aless damage than 87% | river and rain flooding | 54 |
| West Chester Township | Aless damage than 86% | river and rain flooding | 17 |
| Evendale | A−less damage than 82% | river and rain flooding | 20 |
| Glendale | C+more damage than 56% | river and rain flooding | 3 |
| Brecon | — | 860 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 Sharonville 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.
- 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 Sharonville
Is Sharonville at risk for natural disasters?
On FEMA’s National Risk Index, Sharonville has lower expected damage per building than 87% of U.S. towns: A for hazard risk, #334 of 993 in Ohio. Most of the expected damage is river and rain flooding (68%) and tornadoes (23%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Sharonville flood?
Flood insurance has paid 54 claims in Sharonville since 1979, $2.9M in all, or 7.3 per 1,000 homes, more than 68% of U.S. towns with a flood insurance record. 10 properties have flooded more than once. The most claims came from March storm (8).
Is Sharonville 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 Hamilton County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Sharonville?
FEMA’s Community Rating System list shows no discount for Sharonville’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 Sharonville?
By FEMA money that reached Sharonville, Severe Storms and Flooding (2001): $96K to the City of Sharonville for repairs. By flood claims, March storm: 8 paid, $404K.
Is Sharonville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Sharonville’s rate for it is lower than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sharonville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sharonville’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.