FEMA puts Dunham Township’s expected hazard damage per building above that of 69% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Dunham Township gets a C for hazard risk: higher expected damage per building than 69% of U.S. towns, #913 of 993 in Ohio. Most of that expected damage is river and rain flooding (92%). 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 Dunham 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
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 Dunham Township’s grade
River and rain flooding is 92% of the building damage FEMA expects in Dunham Township, and Dunham Township’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts.
C #913 of 993 in Ohio; higher expected damage per building than 69% of U.S. towns (21,298).
Dunham 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, Dunham Township has more expected damage per building than 92% of Ohio towns.
In dollars, FEMA expects about $695K a year in losses across Dunham Township: $616K to buildings, the rest to people and crops.
Does Dunham Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Dunham Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Dunham 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: Washington County.The storms Dunham Township remembers
None of the 16 disasters declared for Washington County shows FEMA aid or repair money reaching Dunham Township itself in FEMA’s records, so these are its biggest flood-claim years.
Washington 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.
Dunham Township and its neighbors
Dunham Township is 6th 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 |
|---|---|---|---|
| Barlow Township | Aless damage than 91% | river and rain flooding | — |
| Decatur Township | Aless damage than 91% | river and rain flooding | — |
| Fairfield Township | Aless damage than 91% | river and rain flooding | 5 |
| Warren Township | Aless damage than 89% | river and rain flooding | 5 |
| Belpre Township | B−less damage than 54% | river and rain flooding | 3 |
| Dunham Township | Cmore damage than 69% | river and rain flooding | 0 |
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 Dunham 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.
- 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 Dunham Township
Is Dunham Township at risk for natural disasters?
On FEMA’s National Risk Index, Dunham Township has higher expected damage per building than 69% of U.S. towns: C for hazard risk, #913 of 993 in Ohio. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Dunham 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 Washington County, 11% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Dunham Township?
FEMA’s Community Rating System list shows no discount for Dunham Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Dunham Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Dunham Township’s rate for it is higher than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Dunham Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Dunham 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.