Benajah Wolcott House · Photo: User:Magicpiano · CC BY-SA 4.0On FEMA’s figures, Danbury Township faces less hazard damage per building than 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Danbury Township gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns, #458 of 993 in Ohio. Most of that expected damage is river and rain flooding (73%), then tornadoes (14%). Flood insurance has paid 66 claims here since 1980.
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 stands out about Danbury Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Danbury 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 Danbury Township’s grade
River and rain flooding is 73% of the building damage FEMA expects in Danbury Township, and Danbury Township’s rate of river and rain flooding damage is lower than 67% of U.S. census tracts. Winter storms add 1%, at a rate in the top 5% of U.S. census tracts.
A− #458 of 993 in Ohio; lower expected damage per building than 80% of U.S. towns (21,298).
Danbury 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, Danbury Township has less expected damage per building than 54% of Ohio towns.
In dollars, FEMA expects about $3.4M a year in losses across Danbury Township: $3.1M to buildings, the rest to people and crops.
Does Danbury Township flood? Sometimes: 66 flood claims since 1980
Every paid claim on a federal flood insurance policy in Danbury Township, from FEMA’s records: 9.7 per 1,000 homes, more than 73% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms1 claim · $10K
Danbury 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: Ottawa County.The storms Danbury Township remembers
None of the 10 disasters declared for Ottawa County shows FEMA aid or repair money reaching Danbury Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 198215 flood claims paidNo declaration for the county that year
- 199811 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Ottawa County
- 198710 flood claims paidNo declaration for the county that year
Ottawa County has had 10 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 Danbury Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Danbury Township archive →Danbury Township and its neighbors
Danbury Township is 2nd of the 5 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 |
|---|---|---|---|
| Sandusky | A−less damage than 83% | river and rain flooding | 248 |
| Danbury Township | A−less damage than 80% | river and rain flooding | 66 |
| Margaretta Township | A−less damage than 80% | river and rain flooding | 8 |
| Catawba Island Township | A−less damage than 76% | river and rain flooding | 13 |
| Portage Township | B+less damage than 72% | river and rain flooding | 4 |
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 Danbury 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 Danbury Township
Is Danbury Township at risk for natural disasters?
On FEMA’s National Risk Index, Danbury Township has lower expected damage per building than 80% of U.S. towns: A− for hazard risk, #458 of 993 in Ohio. Most of the expected damage is river and rain flooding (73%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Danbury Township flood?
Flood insurance has paid 66 claims in Danbury Township since 1980, $744K in all, or 9.7 per 1,000 homes, more than 73% of U.S. towns with a flood insurance record. The most claims came from Late winter storms (1).
Is Danbury 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 Ottawa County, 8% of homes in mapped flood zones carry federal flood insurance, and 2.1% of all homes do.
How much is flood insurance in Danbury Township?
FEMA’s Community Rating System list shows no discount for Danbury 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 Danbury Township?
By flood claims, Late winter storms: 1 paid, $10K.
Is Danbury Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Danbury Township’s rate for it is lower than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Danbury Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Danbury 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.