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Five Points OH USAPhoto: Ed!(Hall of Fame) · CC BY-SA 3.0
A−Hazard risk
Natural hazards in Five Points · FEMA

FEMA expects less hazard damage per building in Five Points than in 83% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Five Points gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (79%), then tornadoes (12%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 79%Tornadoes 12%Strong wind 3%

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 83%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in Ohio · lower than 83% of U.S. towns
Main hazard
River and rain flooding
79% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 10 declared for Warren County
By hazard

What Five Points 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

79%of expected building damage
Below average · lower than 65% of U.S. census tracts
Recorded about 3 times a year in the area

Tornadoes

12%of expected building damage
Above average · higher than 71% of U.S. census tracts
Smaller shares here
 Strong wind Ice storms Earthquakes Hail Winter storms Wildfire Heat waves top 4% Lightning Hurricanes 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 11% of Five Points’ 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 Five Points’ grade

River and rain flooding is 79% of the building damage FEMA expects in Five Points, and Five Points’ rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Next is tornadoes at 12% (higher than 71% of U.S. census tracts).

Where Five Points sits
Five Points
Least damageMiddleMost damage

A− lower expected damage per building than 83% of U.S. towns (21,298).

All of Five Points’ residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding79%Tornadoes12%Everything else9%

In dollars, FEMA expects about $549K a year in losses across Five Points: $428K to buildings, the rest to people and crops.

Shared tract.All of Five Points’ 2,247 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Five Points flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Five Points. 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

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

Insurance rates: Warren County.
Disasters

The storms Five Points remembers

None of the 10 disasters declared for Warren County shows FEMA aid or repair money reaching Five Points itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Five PointsWarren County only

Warren 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.

Be ready

Get ready for what Five Points 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 ↗
Tornado warnings
  • 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.
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 Five Points

Is Five Points at risk for natural disasters?

On FEMA’s National Risk Index, Five Points has lower expected damage per building than 83% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (79%) and tornadoes (12%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Five Points 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 Warren County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Five Points?

FEMA’s Community Rating System list shows no discount for Five Points’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Five Points at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (79%), and Five Points’ rate for it is lower than 65% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Five Points.

Town Square →
Start the conversation

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