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Athens County, Ohio

Natural disaster risk, federal disaster history and flood insurance facts.

Relatively Low overall risk
28th of 88highest risk in Ohio
$25Mexpected losses a year
17federal declarations
1 in 111homes with flood insurance
Photo: U.S. Geological Survey, public domain

Athens County, Ohio has a relatively low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is higher than 69% of US counties. It ranks 28th of 88 counties in Ohio. The costliest hazards here are inland flooding, heat waves and tornadoes. FEMA estimates about $25 million a year in expected losses, or roughly $408 per resident. Since 1968 it has been included in 17 federal disaster or emergency declarations for natural events (13 major disasters). The most recent was in April 2019 (severe storms, flooding and landslides). Fewer than 1 in 100 homes here carry federal flood insurance (166 policies). Since 1978, federal flood insurance has paid about $5.3 million on 422 claims here, including $1.7 million for floods in 2004.

FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.

Top risks in Athens County

$21.4 million a yearExpected losses. Damaging events about 3 times a year.
  • Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
  • Price a flood policy now. Most new federal policies take 30 days to start.
$998,749 a yearExpected losses. Damaging events about 3 times a year.
  • Check that cooling works before summer.
  • Know where the nearest cooling center is.
$698,980 a yearExpected losses. Damaging events about once every 7 years.
  • Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
  • Turn on emergency alerts on your phone and keep a weather radio.
HazardRatingScoreExpected loss a year
Inland floodingModerate83.7
$21M
Heat waveLow73.8
$999K
TornadoLow37.4
$699K
Strong windModerate56.9
$609K
LightningModerate69.5
$449K
HailLow60.4
$353K
Ice stormModerate77.7
$314K
EarthquakeVery Low48.8
$236K
Cold waveVery Low19.2
$192K
HurricaneVery Low53.2
$94K
DroughtLow44.1
$89K
LandslideLow86.2
$32K
Winter weatherLow31.2
$29K
WildfireVery Low13.4
$4K

Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is relatively moderate and community resilience is relatively moderate in FEMA's measures.

Federal disaster history

Recent disasters nationwide ›

Declarations by decade

Federal declarations for natural events that included Athens County. 2020s bar runs to November 2026.

By type

Severe Storm11
Flood3
Snowstorm2
Hurricane1

Most recent

Apr 8, 2019Severe Storms, Flooding, and LandslidesMajor disaster
Apr 17, 2018Severe Storms, Landslides, and MudslidesMajor disaster
Aug 20, 2012Severe Storms and Straight-Line WindsMajor disaster
Jun 30, 2012Severe StormsEmergency
Jul 13, 2011Severe Storms and FloodingMajor disaster
Sep 13, 2005Hurricane Katrina EvacuationEmergency
Feb 15, 2005Severe Winter Storms, Flooding, and MudslidesMajor disaster
Sep 19, 2004Severe Storms and FloodingMajor disaster
Jun 3, 2004Severe Storms and FloodingMajor disaster
Jan 26, 2004Severe Storms, Flooding, Mudslides, and LandslidesMajor disaster
Show all 17
Mar 14, 2003Severe Winter Storm and Record/Near Record SnowMajor disaster
Jun 30, 1998Severe Storms, Flooding, and TornadoesMajor disaster
Mar 4, 1997Severe Storms and FloodingMajor disaster
Jun 6, 1990Severe Storms, Tornadoes & FloodingMajor disaster
Jan 26, 1978Blizzards & SnowstormsEmergency
Feb 2, 1977SnowstormsEmergency
Jun 5, 1968Heavy Rains & FloodingMajor disaster

Ohio also had 3 statewide declarations that did not name single counties.

Storm history since 1969

Tornado risk by county ›

The National Weather Service has logged 456 storm reports in Athens County since 1969, with 1 death and 23 injuries and about $13.5 million in reported damage. The strongest on record here was an EF2 tornado on September 16, 2010 near Kimberly.

4tornadoes
93hail reports, largest 2.5 inches
227damaging thunderstorm winds
126floods and flash floods

Strongest tornadoes

DateStrengthNearHurt / killed
Sep 16, 2010EF2Kimberly7 / 0
May 12, 1980F1–0 / 0
Aug 12, 2023EF1Athens0 / 0
Oct 28, 2018EF0Kimberly0 / 0

Most damaging storms

DateTypeNearDamage
Jun 28, 1998Flash FloodNorth Portion$4M
Jun 29, 2012Thunderstorm WindNelsonville$3M
Sep 16, 2010Thunderstorm WindFloodwood$2M
Sep 16, 2010TornadoKimberly$750K
Nov 17, 1993Thunderstorm WindWaterloo-Athens$500K
Mar 1, 1997Flash FloodCountywide$500K

Source: NOAA Storm Events Database, county-based reports through Jul 21, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.

Hurricanes and tropical storms

Hurricane risk by county ›

Since 1888, 0 hurricanes and 3 tropical storms have passed within 65 miles of the center of Athens County, 2 of them since 1950. The strongest was an unnamed storm in 1888, with top winds near 50 mph about 41 miles away.

0hurricanes
0major hurricanes (Category 3+)
3tropical storms
1989most recent: Hugo

Strongest storms nearby

DateStormStrengthClosest
Aug 21, 1888UnnamedTropical storm, 50 mph41 mi
Sep 22, 1989HugoTropical storm, 45 mph59 mi
Sep 14, 1979FredericTropical storm, 40 mph46 mi

Most recent storms

DateStormStrengthClosest
Sep 22, 1989HugoTropical storm, 45 mph59 mi
Sep 14, 1979FredericTropical storm, 40 mph46 mi
Aug 21, 1888UnnamedTropical storm, 50 mph41 mi

Source: NOAA National Hurricane Center best-track records (HURDAT2), 1851 to 2025 for the Atlantic and 1949 to 2025 for the eastern Pacific. A storm counts if its track passed within 65 miles of the county's center while it was a tropical storm or hurricane. Strength is the storm's top sustained wind at that point, not the wind measured in the county. Older storms over the open sea were sometimes missed.

Flood insurance in Athens County

Check your address flood zone ›
0.9%of homes have federal flood insurance (166 policies)
5.9%of homes in mapped high-risk flood zones are insured
$5.3 millionpaid on 422 flood claims since 1978
2004costliest year, with $1.7 million paid

National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.

Homes in Athens County

$185,000median home value (Ohio $214,800, US $332,700)
1977median year homes were built (Ohio 1970, US 1980)
54%of homes built before 1980, before many modern wind, quake and flood building rules
12.4%of homes are mobile homes, which are the least safe in tornadoes and high winds

Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 26,471 housing units.

Compare in Ohio

All 88 ›
Largest countiesOverall riskTop hazard
Franklin CountyHighInland flooding
Cuyahoga CountyHighInland flooding
Hamilton CountyHighInland flooding
Summit CountyModerateInland flooding
Montgomery CountyModerateInland flooding
Lucas CountyModerateInland flooding
Butler CountyModerateInland flooding
Stark CountyModerateInland flooding

Neighboring counties

CountyOverall riskDeclarations
Wood County, WVLow16
Washington CountyLow18
Perry CountyVery Low18
Hocking CountyLow16
Meigs CountyLow16
Morgan CountyVery Low16
Vinton CountyVery Low14

Common questions about Athens County

What is the biggest natural hazard in Athens County?

Inland flooding has the highest expected yearly losses in Athens County, about $21.4 million a year in FEMA's estimate. Heat wave is second at $998,749.

How many federal disasters has Athens County had?

Athens County has been included in 17 federal disaster or emergency declarations for natural events since 1968, including 13 major disasters. The most recent was Severe Storms, Flooding, and Landslides in April 2019.

Is Athens County a high-risk place to live?

Its overall rating is Relatively Low, 28th highest of 88 in Ohio. A county rating covers the whole area. Risk at one address can be much higher or lower, so check the FEMA flood map and ask about the home's history.

Do I need flood insurance in Athens County?

Standard home insurance does not cover flooding. About 1 in 111 homes in Athens County has federal flood insurance. Lenders require it in mapped high-risk zones, but many flood claims come from outside those zones.

How many tornadoes has Athens County had?

NOAA records list 4 tornadoes in Athens County since 1950. The strongest was an EF2 tornado on September 16, 2010 near Kimberly. The weather service has also logged 93 hail reports and 126 floods here.

How many hurricanes have hit Athens County?

NOAA's hurricane records show 0 hurricanes and 3 tropical storms passing within 65 miles of the center of Athens County. The strongest was an unnamed storm in 1888, with winds near 50 mph.

Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.