Photo: Nyttend · Public domainOn FEMA’s figures, German Township faces more hazard damage per building than 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, German Township gets a C− for hazard risk: higher expected damage per building than 75% of U.S. towns, #936 of 993 in Ohio. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 20 claims here since 1989.
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 German 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 German Township’s grade
River and rain flooding is 92% of the building damage FEMA expects in German Township, and German Township’s rate of river and rain flooding damage is higher than 87% of U.S. census tracts.
C− #936 of 993 in Ohio; higher expected damage per building than 75% of U.S. towns (21,298).
German 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, German Township has more expected damage per building than 94% of Ohio towns.
In dollars, FEMA expects about $3.4M a year in losses across German Township: $3.0M to buildings, the rest to people and crops.
Does German Township flood? Sometimes: 20 flood claims since 1989
Every paid claim on a federal flood insurance policy in German Township, from FEMA’s records: 5.7 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
German 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: Montgomery County.The storms German Township remembers
None of the 10 disasters declared for Montgomery County shows FEMA aid or repair money reaching German Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 198914 flood claims paidThe year of Severe Storms and Flooding, declared for Montgomery County
- 20262 flood claims paidNo declaration for the county that year
- 19901 flood claims paidNo declaration for the county that year
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.
Old photos of German Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the German Township archive →German Township and its neighbors
German Township is 5th 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 |
|---|---|---|---|
| Jackson Township | Aless damage than 88% | river and rain flooding | 2 |
| Miami Township | A−less damage than 78% | river and rain flooding | 8 |
| Gratis Township | Bless damage than 58% | river and rain flooding | — |
| Madison Township | C+more damage than 61% | river and rain flooding | 9 |
| German Township | C−more damage than 75% | river and rain flooding | 20 |
| Carlisle | C−more damage than 84% | river and rain flooding | 3 |
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 German 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 German Township
Is German Township at risk for natural disasters?
On FEMA’s National Risk Index, German Township has higher expected damage per building than 75% of U.S. towns: C− for hazard risk, #936 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.
Does German Township flood?
Flood insurance has paid 20 claims in German Township since 1989, $94K in all, or 5.7 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record.
Is German 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 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 German Township?
FEMA’s Community Rating System list shows no discount for German Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is German Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and German Township’s rate for it is higher than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in German Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where German 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.