Photo: Chris Light · CC BY-SA 4.0Storms, floods and disasters in Chardon Township
Chardon Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Chardon Township yet. Flood insurance has paid 3 claims here since 1996.
What Chardon 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.
Does Chardon Township flood? Rarely: 3 flood claims since 1996
Every paid claim on a federal flood insurance policy in Chardon Township, from FEMA’s records.
- The Late winter storms1 claim · $6K
Chardon 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: Geauga County.1 federal disaster brought FEMA money to Chardon Township
Disasters that paid out in Chardon Township itself (aid to households or repair grants to Chardon Township), newest first, with that year’s flood claims.
- 2006Severe Storms, Straight Line Winds, and Flooding$71K to Chardon Township for repairs
Geauga County has had 9 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 Chardon Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Chardon Township archive →Chardon Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Chardon | A+less damage than 98% | river and rain flooding | — |
| Munson Township | Aless damage than 92% | river and rain flooding | 1 |
| Hambden Township | Aless damage than 91% | river and rain flooding | — |
| Kirtland | A−less damage than 82% | river and rain flooding | 1 |
| Concord Township | B+less damage than 71% | river and rain flooding | 37 |
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 Chardon 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 Chardon Township
Does Chardon Township flood?
Flood insurance has paid 3 claims in Chardon Township since 1996, $32K in all. The most claims came from Late winter storms (1).
Is Chardon 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 Geauga County, 31% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Chardon Township?
FEMA’s Community Rating System list shows no discount for Chardon 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 Chardon Township?
By FEMA money that reached Chardon Township, Severe Storms, Straight Line Winds, and Flooding (2006): $71K to Chardon Township for repairs. By flood claims, Late winter storms: 1 paid, $6K.
Storm stories
Memories, warnings and help from neighbors in Chardon Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Chardon 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.