Photo: Eric Fredericks, neighborhoods.org · CC BY-SA 2.0FEMA puts Beavercreek Township’s expected hazard damage per building below that of 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Beavercreek Township gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns, #331 of 993 in Ohio. Most of that expected damage is river and rain flooding (73%), then tornadoes (13%). Flood insurance has paid 22 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 stands out about Beavercreek Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Beavercreek 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 Beavercreek Township’s grade
River and rain flooding is 73% of the building damage FEMA expects in Beavercreek Township, and Beavercreek Township’s rate of river and rain flooding damage is lower than 73% of U.S. census tracts. Next is tornadoes at 13% (higher than 71% of U.S. census tracts).
A #331 of 993 in Ohio; lower expected damage per building than 87% of U.S. towns (21,298).
Beavercreek Township’s residents live in 13 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, Beavercreek Township has less expected damage per building than 67% of Ohio towns.
In dollars, FEMA expects about $14.7M a year in losses across Beavercreek Township: $9.8M to buildings, the rest to people and crops.
Does Beavercreek Township flood? Sometimes: 22 flood claims since 1980
Every paid claim on a federal flood insurance policy in Beavercreek Township, from FEMA’s records: 0.9 per 1,000 homes, fewer than 80% of the 13,809 U.S. towns with a flood insurance record.
- The March storm1 claim · $1K
- The Central U.S. April Flooding1 claim · $16K
Beavercreek 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.6 federal disasters brought FEMA money to Beavercreek Township
Disasters that paid out in Beavercreek Township itself (aid to households or repair grants to Beavercreek Township), newest first, with that year’s flood claims.
- 2019Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslide$283K to Beavercreek Township for repairs
- 2008Severe Wind Storm Associated with Tropical Depression Ike$66K to Beavercreek Township for repairs
- 2008Record Snow and Near Record Snow$14K to Beavercreek Township for repairs
- 2004Snow$11K to Beavercreek Township for repairs
- 2003Severe Winter Storm and Record/near Record Snow$10K to Beavercreek Township for repairs
- 2000Severe Storms and Tornado$10K to Beavercreek Township for repairs
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 Beavercreek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Beavercreek Township archive →Beavercreek Township and its neighbors
Beavercreek Township is 8th of the 10 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 |
| Kettering | Aless damage than 92% | river and rain flooding | 26 |
| Xenia Township | Aless damage than 89% | river and rain flooding | 16 |
| Beavercreek | Aless damage than 89% | river and rain flooding | 26 |
| Xenia | Aless damage than 89% | river and rain flooding | 12 |
| Beavercreek Township | Aless damage than 87% | river and rain flooding | 22 |
| Riverside | A−less damage than 78% | river and rain flooding | 3 |
| Sugarcreek Township | A−less damage than 76% | river and rain flooding | — |
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 Beavercreek 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 Beavercreek Township
Is Beavercreek Township at risk for natural disasters?
On FEMA’s National Risk Index, Beavercreek Township has lower expected damage per building than 87% of U.S. towns: A for hazard risk, #331 of 993 in Ohio. Most of the expected damage is river and rain flooding (73%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Beavercreek Township flood?
Flood insurance has paid 22 claims in Beavercreek Township since 1980, $1.0M in all, or 0.9 per 1,000 homes, fewer than 80% of U.S. towns with a flood insurance record. The most claims came from March storm (1).
Is Beavercreek 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 Beavercreek Township?
FEMA’s Community Rating System list shows no discount for Beavercreek 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 Beavercreek Township?
By FEMA money that reached Beavercreek Township, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslide (2019): $283K to Beavercreek Township for repairs. By flood claims, March storm: 1 paid, $1K.
Is Beavercreek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Beavercreek Township’s rate for it is lower than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Beavercreek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Beavercreek 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.