Photo: Wdzinc · CC BY-SA 3.0FEMA puts College Township’s expected hazard damage per building below that of 90% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, College Township gets an A for hazard risk: lower expected damage per building than 90% of U.S. towns, #261 of 993 in Ohio. Most of that expected damage is river and rain flooding (69%), then tornadoes (12%). 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 College 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 College Township’s grade
River and rain flooding is 69% of the building damage FEMA expects in College Township, and College Township’s rate of river and rain flooding damage is lower than 81% of U.S. census tracts. Next is tornadoes at 12% (higher than 68% of U.S. census tracts).
A #261 of 993 in Ohio; lower expected damage per building than 90% of U.S. towns (21,298).
College Township’s residents live in 3 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, College Township has less expected damage per building than 74% of Ohio towns.
In dollars, FEMA expects about $485K a year in losses across College Township: $351K to buildings, the rest to people and crops.
Does College Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in College Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
College 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: Knox County.The storms College Township remembers
None of the 8 disasters declared for Knox County shows FEMA aid or repair money reaching College Township itself in FEMA’s records, so these are its biggest flood-claim years.
Knox County has had 8 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.
College Township and its neighbors
College Township has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| College Township | Aless damage than 90% | river and rain flooding | 0 |
| Monroe Township | A−less damage than 83% | river and rain flooding | — |
| Pleasant Township | B+less damage than 69% | river and rain flooding | 6 |
| Harrison Township | — | 754 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 College 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 College Township
Is College Township at risk for natural disasters?
On FEMA’s National Risk Index, College Township has lower expected damage per building than 90% of U.S. towns: A for hazard risk, #261 of 993 in Ohio. Most of the expected damage is river and rain flooding (69%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is College 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 Knox County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in College Township?
FEMA’s Community Rating System list shows no discount for College Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is College Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and College Township’s rate for it is lower than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in College Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where College 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.