Photo: Nyttend · Public domainOn FEMA’s figures, Claibourne Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Claibourne Township gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns, #826 of 993 in Ohio. Most of that expected damage is river and rain flooding (80%). 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 Claibourne 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 Claibourne Township’s grade
River and rain flooding is 80% of the building damage FEMA expects in Claibourne Township, and Claibourne Township’s rate of river and rain flooding damage is higher than 66% of U.S. census tracts. Ice storms add 3%, at a rate in the top 7% of U.S. census tracts.
B− #826 of 993 in Ohio; higher expected damage per building than 52% of U.S. towns (21,298).
Claibourne Township’s residents live in 2 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, Claibourne Township has more expected damage per building than 83% of Ohio towns.
In dollars, FEMA expects about $1.1M a year in losses across Claibourne Township: $872K to buildings, the rest to people and crops.
Does Claibourne Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Claibourne Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Claibourne 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: Union County.The storms Claibourne Township remembers
None of the 10 disasters declared for Union County shows FEMA aid or repair money reaching Claibourne Township itself in FEMA’s records, so these are its biggest flood-claim years.
Union County has had 10 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.
Claibourne Township and its neighbors
Claibourne Township is 4th 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 |
|---|---|---|---|
| Jackson Township | Bless damage than 56% | river and rain flooding | 11 |
| York Township | B−more damage than 50% | river and rain flooding | — |
| Leesburg Township | B−more damage than 50% | river and rain flooding | 2 |
| Claibourne Township | B−more damage than 52% | river and rain flooding | 0 |
| Prospect Township | Cmore damage than 73% | river and rain flooding | — |
| Thompson Township | — | 568 residents; we grade 1,000+ | |
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 Claibourne 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 Claibourne Township
Is Claibourne Township at risk for natural disasters?
On FEMA’s National Risk Index, Claibourne Township has higher expected damage per building than 52% of U.S. towns: B− for hazard risk, #826 of 993 in Ohio. Most of the expected damage is river and rain flooding (80%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Claibourne 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 Union County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Claibourne Township?
FEMA’s Community Rating System list shows no discount for Claibourne Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Claibourne Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Claibourne Township’s rate for it is higher than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Claibourne Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Claibourne 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.