Kettering, Ohio: natural disaster risk
How exposed Kettering is to floods, storms and other hazards, from FEMA and NOAA records for Montgomery County.
Kettering is a city of 57,206 people in Montgomery County, Ohio. Parts of Kettering also reach into Greene County. FEMA's National Risk Index rates Montgomery County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, cold wave and tornado, with about $119 million in expected losses a year across the county. The weather service has logged 819 storm reports in the county since 1956, including 22 tornadoes and 104 floods. About 0.5% of homes in the county carry federal flood insurance.
Risk figures are for Montgomery County, the county with most of the population Kettering sits in. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Kettering
Full Montgomery County report ›- 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.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
- 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.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $80M | |
| Cold wave | $11M | |
| Tornado | $9M | |
| Earthquake | $6M | |
| Strong wind | $4M | |
| Hail | $3M | |
| Heat wave | $3M | |
| Ice storm | $2M | |
| Lightning | $1M | |
| Winter weather | $480K | |
| Hurricane | $66K | |
| Wildfire | $32K |
Homes in Kettering
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Montgomery County
More cities in Montgomery County
Common questions about Kettering
Is Kettering safe from natural disasters?
Kettering is in Montgomery County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, cold wave, tornado. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Kettering?
By expected yearly losses in Montgomery County, the top hazards are inland flooding (High), cold wave (High), tornado (High). Montgomery County has been part of 11 federal disaster or emergency declarations for natural events.
Does Kettering get tornadoes?
Yes. NOAA records list 22 tornadoes in Montgomery County since 1950; the strongest was an EF4 tornado on May 27, 2019 near Pyrmont. FEMA rates tornado risk in the county high.
Do I need flood insurance in Kettering?
Standard home insurance does not cover floods. In Montgomery County, about 0.5% of homes have federal flood insurance, and FEMA rates inland flooding risk high. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.