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EnglewoodgovPhoto: Joebengo at English Wikipedia · Public domain
AHazard risk
Natural hazards in Englewood · FEMA

On FEMA’s figures, Englewood faces less hazard damage per building than 90% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Englewood gets an A for hazard risk: lower expected damage per building than 90% of U.S. towns, #252 of 993 in Ohio. Most of that expected damage is river and rain flooding (78%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 78%Earthquakes 7%Tornadoes 4%

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

less than 90%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#252 of 993 in Ohio
Hazard risk
A#252 of 993
in Ohio · lower than 90% of U.S. towns
Main hazard
River and rain flooding
78% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
4
of 10 declared for Montgomery County

What stands out about Englewood’s natural hazards

From FEMA’s model and FEMA’s records, below.

Lower expected damage than 90% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Made safer with FEMA grants2 storm safe rooms built with FEMA grants.
By hazard

What Englewood 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

78%of expected building damage
Below average · lower than 73% of U.S. census tracts
Recorded about 2 times a year in the area

Earthquakes

7%of expected building damage
About average · higher than 59% of U.S. census tracts
Smaller shares here
 Tornadoes Hail Strong wind Ice storms Winter storms Hurricanes Heat waves top 4% Lightning Wildfire Cold 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 cold waves at 10% of Englewood’s expected losses. Cold 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.
Hazard risk grade

What’s behind Englewood’s grade

River and rain flooding is 78% of the building damage FEMA expects in Englewood, and Englewood’s rate of river and rain flooding damage is lower than 73% of U.S. census tracts. Next is earthquakes at 7% (higher than 59% of U.S. census tracts).

Where Englewood sits
Englewood
Least damageMiddleMost damage

A #252 of 993 in Ohio; lower expected damage per building than 90% of U.S. towns (21,298).

Englewood’s residents live in 5 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding78%Earthquakes7%Tornadoes4%Everything else10%

The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Englewood has less expected damage per building than 75% of Ohio towns.

In dollars, FEMA expects about $2.6M a year in losses across Englewood: $2.0M to buildings, the rest to people and crops.

A small-area figure. Englewood covers 5 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Englewood flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Englewood. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Montgomery County.
What’s been done with FEMA grants
2storm safe rooms built
Disasters

4 federal disasters brought FEMA money to Englewood

Disasters that paid out in Englewood itself (aid to households or repair grants to the City of Englewood), newest first, with that year’s flood claims.

  1. 2019Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslide28 households applied for aid$380 aid approved
  2. 2008Severe Wind Storm Associated with Tropical Depression Ike$56K to the City of Englewood for repairs
  3. 2004Snow$21K to the City of Englewood for repairs
  4. 2003Severe Winter Storm and Record/near Record Snow$20K to the City of Englewood for repairs
Disasters declared, by decade
Paid out in EnglewoodMontgomery County only

Montgomery County has had 10 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.

Were you here?

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

Add to the Englewood archive →
Next door

Englewood and its neighbors

Englewood is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Clayton: hazard risk A−Butler Township: hazard risk A+Union: hazard risk AClaytonButler TownshipUnionEnglewood
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Butler TownshipA+less damage than 95%river and rain flooding22
UnionAless damage than 94%river and rain flooding1
EnglewoodAless damage than 90%river and rain flooding0
ClaytonA−less damage than 84%river and rain flooding7

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.

Be ready

Get ready for what Englewood 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 ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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 Englewood

Is Englewood at risk for natural disasters?

On FEMA’s National Risk Index, Englewood has lower expected damage per building than 90% of U.S. towns: A for hazard risk, #252 of 993 in Ohio. Most of the expected damage is river and rain flooding (78%) and earthquakes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Englewood 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 Montgomery County, 25% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Englewood?

FEMA’s Community Rating System list shows no discount for Englewood’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 Englewood?

By FEMA money that reached Englewood, Severe Wind Storm Associated with Tropical Depression Ike (2008): $56K to the City of Englewood for repairs.

Is Englewood at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (78%), and Englewood’s rate for it is lower than 73% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Englewood.

Town Square →
Start the conversation

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