Janney Furnace · Photo: dofftoubab · CC BY-SA 3.0FEMA puts Ohatchee’s expected hazard damage per building above that of 76% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Ohatchee gets a C− for hazard risk: higher expected damage per building than 76% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then tornadoes (22%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Ohatchee 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
Tornadoes
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.
What’s behind Ohatchee’s grade
River and rain flooding is 70% of the building damage FEMA expects in Ohatchee, and Ohatchee’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Tornadoes add 22%, at a rate in the top 1% of U.S. census tracts.
C− higher expected damage per building than 76% of U.S. towns (21,298).
All of Ohatchee’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $505K a year in losses across Ohatchee: $313K to buildings, the rest to people and crops.
Does Ohatchee flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Ohatchee. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Ohatchee isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Calhoun County.5 federal disasters brought FEMA money to Ohatchee
Disasters that paid out in Ohatchee itself (aid to households or repair grants to the Town of Ohatchee), newest first, with that year’s flood claims.
- 2021Severe Storms, Straight-line Winds, and Tornadoes83 households applied for aid$377K aid approved
- 2011Severe Storms, Tornadoes, Straight-line Winds, and Flooding477 households applied for aid$1.1M aid approved
- 2004Hurricane Ivan2 households applied for aid$9K aid approved
- 2003Severe Storms, Tornadoes, and Flooding1 households applied for aid$583 aid approved
- 2002Severe Storms and Tornadoes4 households applied for aid$1K aid approved
Calhoun County has had 20 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms.
Old photos of Ohatchee after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ohatchee archive →Get ready for what Ohatchee 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Ohatchee
Is Ohatchee at risk for natural disasters?
On FEMA’s National Risk Index, Ohatchee has higher expected damage per building than 76% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (70%) and tornadoes (22%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Ohatchee 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 Calhoun County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Ohatchee?
FEMA’s Community Rating System list shows no discount for Ohatchee’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 Ohatchee?
By FEMA money that reached Ohatchee, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2011): 477 households applied for aid, $1.1M approved.
Is Ohatchee at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Ohatchee’s rate for it is higher than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ohatchee.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ohatchee’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.