Property Atlas

County hazard profile

Union, OH

Ohio · pop. 62,265 · FIPS 39159

Very Low
FEMA risk rating · RATING
Ice Storm
dominant hazard
$19M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Union $19M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexVery Low 32.73/100
national median ~50 lower than most counties (33rd percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 97.52/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Union

The National Flood Insurance Program has paid 56 flood-insurance claims totaling $430K in Union since 1979. The costliest year was 1997 ($190K paid).

Flood-insurance dollars paid by year of loss

1979: $1,374 paid 1980: $8,412 paid 1981: $3,148 paid 1982: $288 paid 1983: $3,939 paid 1985: $1,025 paid 1987: $1,703 paid 1993: $0 paid 1997: $189,725 paid 1999: $0 paid 2002: $13,936 paid 2003: $3,472 paid 2004: $0 paid 2005: $11,607 paid 2007: $15,122 paid 2008: $7,592 paid 2011: $14,390 paid 2013: $3,333 paid 2015: $68,280 paid 2016: $1,315 paid 2019: $42,089 paid 2025: $39,344 paid 1997 · $190K 1979 2025
$430K
total paid
$7,680
average claim
$42K
largest single claim
52%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Union, OH and where it ranks among U.S. counties. It is not a verdict on whether Union is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.