FEMA expects more hazard damage per building in Grove City than in 93% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Grove City gets a D for hazard risk: higher expected damage per building than 93% of U.S. towns. Most of that expected damage is hurricanes (78%), then coastal flooding (11%). Flood insurance has paid 195 claims here since 1982.
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 stands out about Grove City’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Grove City faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
Coastal flooding
River and rain flooding
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 Grove City’s grade
Hurricanes are 78% of the building damage FEMA expects in Grove City, and Grove City’s rate of hurricanes damage is in the top 3% of U.S. census tracts. Coastal flooding adds 11%, at a rate in the top 1% of U.S. census tracts.
D higher expected damage per building than 93% of U.S. towns (21,298).
Grove City’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.8M a year in losses across Grove City: $1.7M to buildings, the rest to people and crops.
Does Grove City flood? Yes: 195 flood claims since 1982
Every paid claim on a federal flood insurance policy in Grove City, from FEMA’s records: 103.6 per 1,000 homes, more than 96% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Milton78 claims · $8.3M
- Hurricane Ian46 claims · $4.0M
- Hurricane Helene44 claims · $6.1M
Grove City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Charlotte County.4 federal disasters brought FEMA money to Grove City
Disasters that paid out in Grove City itself (aid to households or repair grants to Grove City), newest first, with that year’s flood claims.
- 2024Hurricane Milton20 households applied for aid$177K aid approved78 flood claims paid for it, $8.3M
- 2024Hurricane Helene4 households applied for aid$47K aid approved44 flood claims paid for it, $6.1M
- 2022Hurricane Ian30 households applied for aid$190K aid approved46 flood claims paid for it, $4.0M
- 2004Tropical Storm Bonnie and Hurricane Charley2 households applied for aid$814 aid approved
Charlotte County has had 29 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Charlotte County, 1999–2001.
Old photos of Grove City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Grove City archive →Grove City and its neighbors
Grove City is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Englewood | Dmore damage than 89% | hurricanes | 2,435 |
| Grove City | Dmore damage than 93% | hurricanes | 195 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Grove City faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- 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.
- 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 Grove City
Is Grove City at risk for natural disasters?
On FEMA’s National Risk Index, Grove City has higher expected damage per building than 93% of U.S. towns: D for hazard risk. Most of the expected damage is hurricanes (78%) and coastal flooding (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Grove City flood?
Flood insurance has paid 195 claims in Grove City since 1982, $18.6M in all, or 103.6 per 1,000 homes, more than 96% of U.S. towns with a flood insurance record. The most claims came from Hurricane Milton (78).
Is Grove City 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 Charlotte County, 58% of homes in mapped flood zones carry federal flood insurance, and 32.0% of all homes do.
How much is flood insurance in Grove City?
FEMA’s Community Rating System list shows no discount for Grove City’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 Grove City?
By FEMA money that reached Grove City, Hurricane Ian (2022): 30 households applied for aid, $190K approved. By flood claims, Hurricane Milton: 78 paid, $8.3M.
Is Grove City at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (78%), and Grove City’s rate for it is in the top 3% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Grove City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Grove City’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.