Photo: Public domain · Public domainStorms, floods and disasters in Harmony
Harmony isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Harmony yet. Flood insurance has paid 52 claims here since 1978.
What Harmony 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
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.
Does Harmony flood? Sometimes: 52 flood claims since 1978
Every paid claim on a federal flood insurance policy in Harmony, from FEMA’s records.
- Tropical Storm Ivan20 claims · $1.5M
Harmony isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Butler County.3 federal disasters brought FEMA money to Harmony
Disasters that paid out in Harmony itself (aid to households or repair grants to the Borough of Harmony), newest first, with that year’s flood claims.
- 2005Severe Storms and Flooding2 households applied for aid$784 aid approved2 flood claims paid that year
- 2004Tropical Depression Ivan125 households applied for aid$679K aid approved20 flood claims paid for it, $1.5M
- 2004Severe Storms and Flooding Associated with Tropical Depression Frances4 households applied for aid$1K aid approved
Butler County has had 8 natural disasters declared by the President since 1953, most often floods, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Harmony after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Harmony archive →Harmony and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Jackson Township | Bless damage than 63% | river and rain flooding | 244 |
| Zelienople | Cmore damage than 75% | river and rain flooding | 49 |
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 Harmony 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.
- 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 Harmony
Does Harmony flood?
Flood insurance has paid 52 claims in Harmony since 1978, $1.9M in all. 6 properties have flooded more than once. The most claims came from Tropical Storm Ivan (20).
Is Harmony 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 Butler County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Harmony?
FEMA’s Community Rating System list shows no discount for Harmony’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 Harmony?
By FEMA money that reached Harmony, Tropical Depression Ivan (2004): 125 households applied for aid, $679K approved. By flood claims, Tropical Storm Ivan: 20 paid, $1.5M.
Storm stories
Memories, warnings and help from neighbors in Harmony.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harmony’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.