On FEMA’s figures, Fort McKinley faces less hazard damage per building than 98% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fort McKinley gets an A+ for hazard risk: lower expected damage per building than 98% of U.S. towns, #10 of 993 in Ohio. Most of that expected damage is river and rain flooding (75%). 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 Fort McKinley 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
Hail
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 Fort McKinley’s grade
River and rain flooding is 75% of the building damage FEMA expects in Fort McKinley, and Fort McKinley’s rate of river and rain flooding damage is lower than 90% of U.S. census tracts. Next is tornadoes at 6% (lower than 54% of U.S. census tracts).
A+ #10 of 993 in Ohio; lower expected damage per building than 98% of U.S. towns (21,298).
Fort McKinley’s residents live in 3 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, Fort McKinley has less expected damage per building than 99% of Ohio towns.
In dollars, FEMA expects about $480K a year in losses across Fort McKinley: $331K to buildings, the rest to people and crops.
Does Fort McKinley flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Fort McKinley. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Fort McKinley 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.The storms Fort McKinley remembers
None of the 10 disasters declared for Montgomery County shows FEMA aid or repair money reaching Fort McKinley itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Fort McKinley and its neighbors
Fort McKinley has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Fort McKinley | A+less damage than 98% | river and rain flooding | 0 |
| Harrison Township | A−less damage than 84% | river and rain flooding | 17 |
| Shiloh | A−less damage than 79% | river and rain flooding | 17 |
| Trotwood | B+less damage than 65% | river and rain flooding | 10 |
| Dayton | Bless damage than 60% | river and rain flooding | 24 |
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 Fort McKinley 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Fort McKinley
Is Fort McKinley at risk for natural disasters?
On FEMA’s National Risk Index, Fort McKinley has lower expected damage per building than 98% of U.S. towns: A+ for hazard risk, #10 of 993 in Ohio. Most of the expected damage is river and rain flooding (75%) and tornadoes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Fort McKinley 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 Fort McKinley?
FEMA’s Community Rating System list shows no discount for Fort McKinley’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Fort McKinley at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Fort McKinley’s rate for it is lower than 90% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fort McKinley.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fort McKinley’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.