Guest, Sign inJoin

Post to Coalton

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
Historic Structure in Coalton, OhioPhoto: Don O'Brien · CC BY 2.0
–Not graded
Natural hazards in Coalton · FEMA

Storms, floods and disasters in Coalton

Coalton isn’t graded for hazard risk: Coalton has 588 residents; we grade towns of 1,000 or more. Flood insurance has paid 21 claims here since 1990.

Flood claims
21
paid since 1990 · $296K
Flooded more than once
4
properties · 1 “severe repetitive loss”
Disasters paid out here
0
of 12 declared for Jackson County
By hazard

What Coalton 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

90%of expected building damage
Above average · higher than 72% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Tornadoes Ice storms Strong wind Hail Earthquakes Hurricanes Winter storms Cold waves Lightning Wildfire Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts heat waves at 9% of Coalton’s expected losses. Heat waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Coalton flood? Sometimes: 21 flood claims since 1990

Every paid claim on a federal flood insurance policy in Coalton, from FEMA’s records.

Paid flood claims, by year
1990: 3 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 5 claims1998: 6 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 3 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 4 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199719982015
19902026
21
paid claims since 1990
$296K
paid to owners
4
homes flooded more than once
$14K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Coalton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Jackson County.
Disasters

The storms Coalton remembers

None of the 12 disasters declared for Jackson County shows FEMA aid or repair money reaching Coalton itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 19986 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Jackson County
  2. 19975 flood claims paidThe year of Severe Storms and Flooding, declared for Jackson County
  3. 20154 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in CoaltonJackson County only

Jackson County has had 12 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Coalton after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Coalton archive →
Be ready

Get ready for what Coalton faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Coalton

Does Coalton flood?

Flood insurance has paid 21 claims in Coalton since 1990, $296K in all. 4 properties have flooded more than once.

Is Coalton 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 Jackson County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Coalton?

FEMA’s Community Rating System list shows no discount for Coalton’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in Coalton.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coalton’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.