Photo: Nyttend · Public domainOn FEMA’s figures, Clinton 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, Clinton Township gets a B for hazard risk: lower expected damage per building than 55% of U.S. towns, #772 of 993 in Ohio. Most of that expected damage is river and rain flooding (69%), then earthquakes (12%). Flood insurance has paid 29 claims here since 1990.
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 Clinton 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
Earthquakes
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 Clinton Township’s grade
River and rain flooding is 69% of the building damage FEMA expects in Clinton Township, and Clinton Township’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Next is earthquakes at 12% (higher than 76% of U.S. census tracts).
B #772 of 993 in Ohio; lower expected damage per building than 55% of U.S. towns (21,298).
Clinton Township’s residents live in 7 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, Clinton Township has more expected damage per building than 78% of Ohio towns.
In dollars, FEMA expects about $6.9M a year in losses across Clinton Township: $5.8M to buildings, the rest to people and crops.
Does Clinton Township flood? Sometimes: 29 flood claims since 1990
Every paid claim on a federal flood insurance policy in Clinton Township, from FEMA’s records: 3.2 per 1,000 homes, fewer than 50% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms1 claim · $754
Clinton 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: Shelby County.The storms Clinton Township remembers
None of the 11 disasters declared for Shelby County shows FEMA aid or repair money reaching Clinton Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19928 flood claims paidThe year of Severe Storms, Tornadoes and Flooding, declared for Shelby County
- 19906 flood claims paidNo declaration for the county that year
- 19955 flood claims paidThe year of Severe Storms and Flooding, declared for Shelby County
Shelby County has had 11 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 Clinton Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Clinton Township archive →Clinton Township and its neighbors
Clinton Township is 4th of the 6 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 |
|---|---|---|---|
| Salem Township | Aless damage than 87% | river and rain flooding | — |
| Washington Township | Aless damage than 86% | river and rain flooding | — |
| Franklin Township | A−less damage than 76% | river and rain flooding | 7 |
| Clinton Township | Bless damage than 55% | river and rain flooding | 29 |
| Sidney | B−less damage than 55% | river and rain flooding | 32 |
| Orange Township | C+more damage than 59% | river and rain flooding | — |
| Perry Township | — | not graded yet | |
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 Clinton 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Clinton Township
Is Clinton Township at risk for natural disasters?
On FEMA’s National Risk Index, Clinton Township has lower expected damage per building than 55% of U.S. towns: B for hazard risk, #772 of 993 in Ohio. Most of the expected damage is river and rain flooding (69%) and earthquakes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Clinton Township flood?
Flood insurance has paid 29 claims in Clinton Township since 1990, $218K in all, or 3.2 per 1,000 homes, fewer than 50% of U.S. towns with a flood insurance record. The most claims came from Late winter storms (1).
Is Clinton 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 Shelby County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Clinton Township?
FEMA’s Community Rating System list shows no discount for Clinton 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 Clinton Township?
By flood claims, Late winter storms: 1 paid, $754.
Is Clinton Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Clinton Township’s rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Clinton Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clinton 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.