Photo: Nyttend · Public domainOn FEMA’s figures, Bath Township faces less hazard damage per building than 96% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Bath Township gets an A+ for hazard risk: lower expected damage per building than 96% of U.S. towns, #69 of 993 in Ohio. Most of that expected damage is river and rain flooding (65%), then tornadoes (17%). Flood insurance has paid 18 claims here since 1980.
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 Bath 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
Earthquakes
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 Bath Township’s grade
River and rain flooding is 65% of the building damage FEMA expects in Bath Township, and Bath Township’s rate of river and rain flooding damage is lower than 90% of U.S. census tracts. Next is tornadoes at 17% (higher than 71% of U.S. census tracts).
A+ #69 of 993 in Ohio; lower expected damage per building than 96% of U.S. towns (21,298).
Bath Township’s residents live in 11 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, Bath Township has less expected damage per building than 93% of Ohio towns.
In dollars, FEMA expects about $7.6M a year in losses across Bath Township: $4.2M to buildings, the rest to people and crops.
Does Bath Township flood? Sometimes: 18 flood claims since 1980
Every paid claim on a federal flood insurance policy in Bath Township, from FEMA’s records: 1.0 per 1,000 homes, fewer than 79% of the 13,809 U.S. towns with a flood insurance record.
Bath 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: Greene County.The storms Bath Township remembers
None of the 13 disasters declared for Greene County shows FEMA aid or repair money reaching Bath Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20145 flood claims paidNo declaration for the county that year
- 20103 flood claims paidNo declaration for the county that year
- 19802 flood claims paidNo declaration for the county that year
Greene County has had 13 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 Bath Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bath Township archive →Bath Township and its neighbors
Bath Township is 2nd of the 11 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 |
|---|---|---|---|
| Wright-Patterson AFB | A+among the lowest damage | river and rain flooding | 2 |
| Bath Township | A+less damage than 96% | river and rain flooding | 18 |
| Fairborn | Aless damage than 95% | river and rain flooding | 16 |
| Xenia Township | Aless damage than 89% | river and rain flooding | 16 |
| Beavercreek Township | Aless damage than 87% | river and rain flooding | 22 |
| Riverside | A−less damage than 78% | river and rain flooding | 3 |
| Miami Township | A−less damage than 77% | river and rain flooding | — |
| Mad River Township | B+less damage than 68% | river and rain flooding | 11 |
| Bethel Township | Bless damage than 64% | river and rain flooding | 26 |
| Dayton | Bless damage than 60% | river and rain flooding | 24 |
| Holiday Valley | C+more damage than 65% | river and rain flooding | 7 |
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 Bath 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Bath Township
Is Bath Township at risk for natural disasters?
On FEMA’s National Risk Index, Bath Township has lower expected damage per building than 96% of U.S. towns: A+ for hazard risk, #69 of 993 in Ohio. Most of the expected damage is river and rain flooding (65%) and tornadoes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Bath Township flood?
Flood insurance has paid 18 claims in Bath Township since 1980, $98K in all, or 1.0 per 1,000 homes, fewer than 79% of U.S. towns with a flood insurance record.
Is Bath 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 Greene County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Bath Township?
FEMA’s Community Rating System list shows no discount for Bath Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Bath Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Bath Township’s rate for it is lower than 90% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bath Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bath 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.