Photo: Nyttend · Public domainFor tornadoes, Franklin Township’s building-damage rate is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Franklin Township gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns, #872 of 993 in Ohio. Most of that expected damage is river and rain flooding (67%), then tornadoes (16%). Flood insurance has paid 32 claims here since 1992.
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 Franklin 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
Earthquakes
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 Franklin Township’s grade
River and rain flooding is 67% of the building damage FEMA expects in Franklin Township, and Franklin Township’s rate of river and rain flooding damage is higher than 61% of U.S. census tracts. Tornadoes add 16%, at a rate in the top 4% of U.S. census tracts.
C+ #872 of 993 in Ohio; higher expected damage per building than 60% of U.S. towns (21,298).
Franklin 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, Franklin Township has more expected damage per building than 88% of Ohio towns.
In dollars, FEMA expects about $2.1M a year in losses across Franklin Township: $1.7M to buildings, the rest to people and crops.
Does Franklin Township flood? Sometimes: 32 flood claims since 1992
Every paid claim on a federal flood insurance policy in Franklin Township, from FEMA’s records: 16.5 per 1,000 homes, more than 82% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms2 claims · $113K
Franklin 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: Mercer County.The storms Franklin Township remembers
None of the 11 disasters declared for Mercer County shows FEMA aid or repair money reaching Franklin Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20198 flood claims paidThe year of Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslide, declared for Mercer County
- 20057 flood claims paidNo declaration for the county that year
- 20033 flood claims paidThe year of Severe Storms and Flooding, declared for Mercer County
Mercer County has had 11 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 Franklin Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Franklin Township archive →Franklin Township and its neighbors
Franklin Township is 5th 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 |
|---|---|---|---|
| Marion Township | A−less damage than 81% | river and rain flooding | — |
| Butler Township | A−less damage than 78% | river and rain flooding | 7 |
| Jefferson Township | B+less damage than 70% | river and rain flooding | 11 |
| St. Marys Township | B−less damage than 51% | river and rain flooding | 63 |
| Franklin Township | C+more damage than 60% | river and rain flooding | 32 |
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 Franklin 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Franklin Township
Is Franklin Township at risk for natural disasters?
On FEMA’s National Risk Index, Franklin Township has higher expected damage per building than 60% of U.S. towns: C+ for hazard risk, #872 of 993 in Ohio. Most of the expected damage is river and rain flooding (67%) and tornadoes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Franklin Township flood?
Flood insurance has paid 32 claims in Franklin Township since 1992, $407K in all, or 16.5 per 1,000 homes, more than 82% of U.S. towns with a flood insurance record. The most claims came from Late winter storms (2).
Is Franklin 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 Mercer County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Franklin Township?
FEMA’s Community Rating System list shows no discount for Franklin 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 Franklin Township?
By flood claims, Late winter storms: 2 paid, $113K.
Is Franklin Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Franklin Township’s rate for it is higher than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Franklin Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Franklin 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.