Photo: Mike Sharp - User: (WT-shared) 2old at wts wikivoyage · CC BY-SA 4.0Less hazard damage per building is expected in Clark Township than in 95% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Clark Township gets an A+ for hazard risk: lower expected damage per building than 95% of U.S. towns, #100 of 993 in Ohio. Most of that expected damage is river and rain flooding (68%), then tornadoes (11%). Flood insurance has paid 3 claims here since 1979.
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 Clark 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
Hail
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 Clark Township’s grade
River and rain flooding is 68% of the building damage FEMA expects in Clark Township, and Clark Township’s rate of river and rain flooding damage is lower than 87% of U.S. census tracts. Next is tornadoes at 11% (higher than 61% of U.S. census tracts).
A+ #100 of 993 in Ohio; lower expected damage per building than 95% of U.S. towns (21,298).
Clark 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, Clark Township has less expected damage per building than 90% of Ohio towns.
In dollars, FEMA expects about $1.1M a year in losses across Clark Township: $906K to buildings, the rest to people and crops.
Does Clark Township flood? Rarely: 3 flood claims since 1979
Every paid claim on a federal flood insurance policy in Clark Township, from FEMA’s records: 2.6 per 1,000 homes, fewer than 56% of the 13,809 U.S. towns with a flood insurance record.
Clark 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: Holmes County.The storms Clark Township remembers
None of the 9 disasters declared for Holmes County shows FEMA aid or repair money reaching Clark Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19791 flood claims paidNo declaration for the county that year
- 19811 flood claims paidNo declaration for the county that year
- 20141 flood claims paidNo declaration for the county that year
Holmes 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 Clark Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Clark Township archive →Clark Township and its neighbors
Clark Township is 5th of the 7 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 |
|---|---|---|---|
| Bucks Township | A+less damage than 98% | river and rain flooding | — |
| Auburn Township | A+less damage than 97% | river and rain flooding | 4 |
| Sugar Creek Township | A+less damage than 97% | river and rain flooding | 7 |
| Walnut Creek Township | A+less damage than 96% | river and rain flooding | — |
| Clark Township | A+less damage than 95% | river and rain flooding | 3 |
| Mechanic Township | B+less damage than 74% | river and rain flooding | 1 |
| Crawford Township | B−less damage than 54% | river and rain flooding | — |
| Baltic | — | 841 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 Clark 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Clark Township
Is Clark Township at risk for natural disasters?
On FEMA’s National Risk Index, Clark Township has lower expected damage per building than 95% of U.S. towns: A+ for hazard risk, #100 of 993 in Ohio. Most of the expected damage is river and rain flooding (68%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Clark Township flood?
Flood insurance has paid 3 claims in Clark Township since 1979, $44K in all, or 2.6 per 1,000 homes, fewer than 56% of U.S. towns with a flood insurance record.
Is Clark 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 Holmes County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Clark Township?
FEMA’s Community Rating System list shows no discount for Clark Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Clark Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Clark Township’s rate for it is lower than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Clark Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clark 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.