Photo: Nyttend · Public domainLess hazard damage per building is expected in Cedarville than in 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cedarville gets an A for hazard risk: lower expected damage per building than 88% of U.S. towns, #298 of 993 in Ohio. Most of that expected damage is river and rain flooding (72%), then tornadoes (11%). 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 Cedarville 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 Cedarville’s grade
River and rain flooding is 72% of the building damage FEMA expects in Cedarville, and Cedarville’s rate of river and rain flooding damage is lower than 76% of U.S. census tracts. Next is tornadoes at 11% (higher than 67% of U.S. census tracts).
A #298 of 993 in Ohio; lower expected damage per building than 88% of U.S. towns (21,298).
All of Cedarville’s residents live in one census tract; the figures are that tract’s.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Cedarville has less expected damage per building than 70% of Ohio towns.
In dollars, FEMA expects about $1.1M a year in losses across Cedarville: $693K to buildings, the rest to people and crops.
Does Cedarville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cedarville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Cedarville 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.4 federal disasters brought FEMA money to Cedarville
Disasters that paid out in Cedarville itself (aid to households or repair grants to the Village of Cedarville), newest first, with that year’s flood claims.
- 2008Severe Wind Storm Associated with Tropical Depression Ike$27K to the Village of Cedarville for repairs
- 2008Record Snow and Near Record Snow$4K to the Village of Cedarville for repairs
- 2004Snow$3K to the Village of Cedarville for repairs
- 2003Severe Winter Storm and Record/near Record Snow$1K to the Village of Cedarville 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 Cedarville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cedarville archive →Get ready for what Cedarville 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 Cedarville
Is Cedarville at risk for natural disasters?
On FEMA’s National Risk Index, Cedarville has lower expected damage per building than 88% of U.S. towns: A for hazard risk, #298 of 993 in Ohio. Most of the expected damage is river and rain flooding (72%) and tornadoes (11%). 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.
Is Cedarville 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 Cedarville?
FEMA’s Community Rating System list shows no discount for Cedarville’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 Cedarville?
By FEMA money that reached Cedarville, Severe Wind Storm Associated with Tropical Depression Ike (2008): $27K to the Village of Cedarville for repairs.
Is Cedarville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Cedarville’s rate for it is lower than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cedarville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cedarville’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.