Photo: Jose M Kozan · Public domainFEMA puts Crosby Township’s expected hazard damage per building above that of 71% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Crosby Township gets a C for hazard risk: higher expected damage per building than 71% of U.S. towns, #923 of 993 in Ohio. Most of that expected damage is river and rain flooding (83%), then tornadoes (13%). Flood insurance has paid 34 claims here since 1982.
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 Crosby 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 Crosby Township’s grade
River and rain flooding is 83% of the building damage FEMA expects in Crosby Township, and Crosby Township’s rate of river and rain flooding damage is higher than 81% of U.S. census tracts. Tornadoes add 13%, at a rate in the top 5% of U.S. census tracts.
C #923 of 993 in Ohio; higher expected damage per building than 71% of U.S. towns (21,298).
Crosby 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, Crosby Township has more expected damage per building than 93% of Ohio towns.
In dollars, FEMA expects about $2.3M a year in losses across Crosby Township: $1.6M to buildings, the rest to people and crops.
Does Crosby Township flood? Sometimes: 34 flood claims since 1982
Every paid claim on a federal flood insurance policy in Crosby Township, from FEMA’s records: 15.4 per 1,000 homes, more than 80% of the 13,809 U.S. towns with a flood insurance record.
- The March storm4 claims · $52K
Crosby 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: Hamilton County.2 federal disasters brought FEMA money to Crosby Township
Disasters that paid out in Crosby Township itself (aid to households or repair grants to Crosby Township), newest first, with that year’s flood claims.
- 2008Severe Wind Storm Associated with Tropical Depression Ike$25K to Crosby Township for repairs4 flood claims paid that year
- 2004Snow$3K to Crosby Township for repairs5 flood claims paid that year
Hamilton County has had 16 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.
Old photos of Crosby Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Crosby Township archive →Crosby Township and its neighbors
Crosby Township is 6th of the 11 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 |
|---|---|---|---|
| Dunlap | B+less damage than 72% | river and rain flooding | — |
| Colerain Township | B+less damage than 71% | river and rain flooding | 50 |
| Dry Ridge | B+less damage than 68% | river and rain flooding | — |
| Morgan Township | Bless damage than 56% | river and rain flooding | 7 |
| Taylor Creek | Cmore damage than 70% | river and rain flooding | 15 |
| Crosby Township | Cmore damage than 71% | river and rain flooding | 34 |
| New Baltimore | Cmore damage than 72% | river and rain flooding | — |
| Blue Jay | Cmore damage than 73% | river and rain flooding | — |
| Ross Township | Cmore damage than 74% | river and rain flooding | 26 |
| Whitewater Township | Cmore damage than 74% | river and rain flooding | 23 |
| Ross | C−more damage than 79% | river and rain flooding | — |
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 Crosby 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 Crosby Township
Is Crosby Township at risk for natural disasters?
On FEMA’s National Risk Index, Crosby Township has higher expected damage per building than 71% of U.S. towns: C for hazard risk, #923 of 993 in Ohio. Most of the expected damage is river and rain flooding (83%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Crosby Township flood?
Flood insurance has paid 34 claims in Crosby Township since 1982, $376K in all, or 15.4 per 1,000 homes, more than 80% of U.S. towns with a flood insurance record. The most claims came from March storm (4).
Is Crosby 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 Hamilton County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Crosby Township?
FEMA’s Community Rating System list shows no discount for Crosby 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 Crosby Township?
By FEMA money that reached Crosby Township, Severe Wind Storm Associated with Tropical Depression Ike (2008): $25K to Crosby Township for repairs. By flood claims, March storm: 4 paid, $52K.
Is Crosby Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Crosby Township’s rate for it is higher than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Crosby Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Crosby 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.