Mull Covered Bridge · Photo: Nyttend · Public domainOn FEMA’s figures, Ballville Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Ballville Township gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns, #836 of 993 in Ohio. Most of that expected damage is river and rain flooding (77%). Flood insurance has paid 8 claims here since 1978.
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 Ballville 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
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 Ballville Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Ballville Township, and Ballville Township’s rate of river and rain flooding damage is higher than 65% of U.S. census tracts. Ice storms add 3%, at a rate in the top 7% of U.S. census tracts.
B− #836 of 993 in Ohio; higher expected damage per building than 52% of U.S. towns (21,298).
Ballville Township’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Ballville Township has more expected damage per building than 84% of Ohio towns.
In dollars, FEMA expects about $2.0M a year in losses across Ballville Township: $1.7M to buildings, the rest to people and crops.
Does Ballville Township flood? Rarely: 8 flood claims since 1978
Every paid claim on a federal flood insurance policy in Ballville Township, from FEMA’s records: 2.9 per 1,000 homes, fewer than 53% of the 13,809 U.S. towns with a flood insurance record.
Ballville 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: Sandusky County.The storms Ballville Township remembers
None of the 10 disasters declared for Sandusky County shows FEMA aid or repair money reaching Ballville Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19822 flood claims paidNo declaration for the county that year
- 19781 flood claims paidThe year of Blizzards and Snowstorms, declared for Sandusky County
- 19791 flood claims paidNo declaration for the county that year
Sandusky County has had 10 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Ballville Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ballville Township archive →Ballville Township and its neighbors
Ballville Township is 5th of the 8 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 |
|---|---|---|---|
| Sandusky Township | B+less damage than 68% | river and rain flooding | 8 |
| Fremont | Bless damage than 64% | river and rain flooding | 12 |
| Green Creek Township | Bless damage than 62% | river and rain flooding | — |
| Pleasant Township | Bless damage than 55% | river and rain flooding | — |
| Ballville Township | B−more damage than 52% | river and rain flooding | 8 |
| Riley Township | B−more damage than 54% | river and rain flooding | 38 |
| Jackson Township | B−more damage than 54% | river and rain flooding | 7 |
| Ballville | C+more damage than 56% | river and rain flooding | 8 |
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 Ballville 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.
- 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 Ballville Township
Is Ballville Township at risk for natural disasters?
On FEMA’s National Risk Index, Ballville Township has higher expected damage per building than 52% of U.S. towns: B− for hazard risk, #836 of 993 in Ohio. Most of the expected damage is river and rain flooding (77%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Ballville Township flood?
Flood insurance has paid 8 claims in Ballville Township since 1978, $26K in all, or 2.9 per 1,000 homes, fewer than 53% of U.S. towns with a flood insurance record.
Is Ballville 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 Sandusky County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Ballville Township?
FEMA’s Community Rating System list shows no discount for Ballville Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Ballville Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Ballville Township’s rate for it is higher than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ballville Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ballville 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.