Photo: Tom Zmuda · CC BY-SA 3.0Less hazard damage per building is expected in Oxford Township than in 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Oxford Township gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (81%). Flood insurance has paid 3 claims here since 2023.
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 Oxford Township 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
Hurricanes
Strong wind
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 Oxford Township’s grade
River and rain flooding is 81% of the building damage FEMA expects in Oxford Township, and Oxford Township’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 8% of U.S. census tracts.
B+ lower expected damage per building than 68% of U.S. towns (21,298).
All of Oxford Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $746K a year in losses across Oxford Township: $457K to buildings, the rest to people and crops.
Does Oxford Township flood? Rarely: 3 flood claims since 2023
Every paid claim on a federal flood insurance policy in Oxford Township, from FEMA’s records: 2.8 per 1,000 homes, fewer than 53% of the 13,809 U.S. towns with a flood insurance record.
Oxford Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Warren County.9 federal disasters brought FEMA money to Oxford Township
Disasters that paid out in Oxford Township itself (aid to households or repair grants to Oxford Township), newest first, with that year’s flood claims.
- 2023Severe Storm and Flooding$294K to Oxford Township for repairs3 flood claims paid that year
- 2021Remnants of Hurricane Ida8 households applied for aid$8K aid approved
- 2021Severe Winter Storm and Snowstorm$43K to Oxford Township for repairs
- 2016Severe Winter Storm and Snowstorm$18K to Oxford Township for repairs
- 2012Hurricane Sandy57 households applied for aid$21K aid approved$70K to Oxford Township for repairs
- 2011Severe Storm$6K to Oxford Township for repairs
Show all 9
- 2011Hurricane Irene43 households applied for aid$56K aid approved$16K to Oxford Township for repairs
- 2005Severe Storms and Flooding1 households applied for aid$346 aid approved
- 2004Severe Storms and Flooding3 households applied for aid$5K aid approved$6K to Oxford Township for repairs
Warren County has had 19 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Oxford Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Oxford Township archive →Oxford Township and its neighbors
Oxford Township has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Oxford Township | B+less damage than 68% | river and rain flooding | 3 |
| Mansfield Township | B+less damage than 66% | river and rain flooding | 17 |
| White Township | Dmore damage than 85% | river and rain flooding | 49 |
| Washington Township | — | not graded yet | |
| Buttzville | — | 198 residents; we grade 1,000+ | |
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 Oxford Township 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Oxford Township
Is Oxford Township at risk for natural disasters?
On FEMA’s National Risk Index, Oxford Township has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (81%) and hurricanes (8%). 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.
Does Oxford Township flood?
Flood insurance has paid 3 claims in Oxford Township since 2023, $48K in all, or 2.8 per 1,000 homes, fewer than 53% of U.S. towns with a flood insurance record.
Is Oxford Township 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 Warren County, 47% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Oxford Township?
FEMA’s Community Rating System list shows no discount for Oxford Township’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 Oxford Township?
By FEMA money that reached Oxford Township, Severe Storm and Flooding (2023): $294K to Oxford Township for repairs.
Is Oxford Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Oxford Township’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Oxford Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Oxford Township’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.