Hardin County
Ohio — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 24th
Hardin County faces very low composite natural disaster risk (NRI Risk Index score 24.4, 24th national percentile), driven primarily by lightning and hail exposure. Expected annual loss across all 18 hazard types is $11M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Lightning | Medium | 41.64 / yr | $524K |
| Hail | Low | 3.42 / yr | $462K |
| Strong Wind | Medium | 2.80 / yr | $820K |
| Earthquake | Very Low | 0.00 / yr | $327K |
| Winter Weather | Low | 11.58 / yr | $77K |
| Ice Storm | Low | 0.48 / yr | $86K |
| Cold Wave | Low | 4.95 / yr | $981K |
| Hurricane | Very Low | 0.02 / yr | $52K |
| Riverine Flood | Low | 1.36 / yr | $6M |
| Tornado | Low | 0.29 / yr | $930K |
| Landslide | Very Low | 0.07 / yr | $283 |
| Heat Wave | Very Low | 3.74 / yr | $108K |
| Wildfire | Very Low | 0.00 / yr | $644 |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Drought | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Hardin County?
Hardin County has a composite FEMA National Risk Index score of 24.4 out of 100, placing it in the Very Low category and the 24th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Hardin County?
The three highest-rated hazards are Lightning (Medium, $524K EAL), Hail (Low, $462K EAL), Strong Wind (Medium, $820K EAL). These account for most of the county's expected annual losses.
How does Hardin County compare to other Ohio counties?
Hardin County ranks #79 of 88 Ohio counties for overall natural disaster risk, with a very low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Hardin County's $11M EAL is a statistical average, not a guarantee for any specific year or address.