Photo: Nyttend · Public domainFEMA puts Carthage Township’s expected hazard damage per building above that of 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Carthage Township gets a C for hazard risk: higher expected damage per building than 73% of U.S. towns. Most of that expected damage is river and rain flooding (93%). FEMA’s files show no paid flood insurance claims here.
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 Carthage 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
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 Carthage Township’s grade
River and rain flooding is 93% of the building damage FEMA expects in Carthage Township, and Carthage Township’s rate of river and rain flooding damage is higher than 86% of U.S. census tracts.
C higher expected damage per building than 73% of U.S. towns (21,298).
Carthage Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $491K a year in losses across Carthage Township: $419K to buildings, the rest to people and crops.
Does Carthage Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Carthage Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Carthage 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: Athens County.The storms Carthage Township remembers
None of the 15 disasters declared for Athens County shows FEMA aid or repair money reaching Carthage Township itself in FEMA’s records, so these are its biggest flood-claim years.
Athens County has had 15 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Carthage Township and its neighbors
Carthage Township is 3rd of the 5 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 |
|---|---|---|---|
| Orange Township | Bless damage than 59% | river and rain flooding | — |
| Lodi Township | C+more damage than 57% | river and rain flooding | 2 |
| Carthage Township | Cmore damage than 73% | river and rain flooding | 0 |
| Rome Township | C−more damage than 79% | river and rain flooding | — |
| Troy Township | C−more damage than 80% | river and rain flooding | 48 |
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 Carthage 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.
- 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 Carthage Township
Is Carthage Township at risk for natural disasters?
On FEMA’s National Risk Index, Carthage Township has higher expected damage per building than 73% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Carthage 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 Athens County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Carthage Township?
FEMA’s Community Rating System list shows no discount for Carthage Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Carthage Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Carthage Township’s rate for it is higher than 86% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Carthage Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Carthage 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.