Photo: Aesopposea · CC BY-SA 3.0FEMA expects less hazard damage per building in Greenfield than in 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Greenfield gets an A for hazard risk: lower expected damage per building than 88% of U.S. towns, #319 of 993 in Ohio. Most of that expected damage is river and rain flooding (76%), then tornadoes (13%). 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 Greenfield 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
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 Greenfield’s grade
River and rain flooding is 76% of the building damage FEMA expects in Greenfield, and Greenfield’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Next is tornadoes at 13% (higher than 70% of U.S. census tracts).
A #319 of 993 in Ohio; lower expected damage per building than 88% of U.S. towns (21,298).
Greenfield’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, Greenfield has less expected damage per building than 68% of Ohio towns.
In dollars, FEMA expects about $1.1M a year in losses across Greenfield: $855K to buildings, the rest to people and crops.
Does Greenfield flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Greenfield. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Greenfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Highland County.2 federal disasters brought FEMA money to Greenfield
Disasters that paid out in Greenfield itself (aid to households or repair grants to the Village of Greenfield), newest first, with that year’s flood claims.
- 2008Severe Wind Storm Associated with Tropical Depression Ike$31K to the Village of Greenfield for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides2 households applied for aid$3K aid approved$41K to the Village of Greenfield for repairs
Highland County has had 8 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 Greenfield after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Greenfield archive →Greenfield and its neighbors
Greenfield is 2nd of the 3 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 |
|---|---|---|---|
| Madison Township | Aless damage than 88% | river and rain flooding | — |
| Greenfield | Aless damage than 88% | river and rain flooding | 0 |
| Buckskin Township | B−more damage than 51% | river and rain flooding | 8 |
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 Greenfield 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.
- 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 Greenfield
Is Greenfield at risk for natural disasters?
On FEMA’s National Risk Index, Greenfield has lower expected damage per building than 88% of U.S. towns: A for hazard risk, #319 of 993 in Ohio. Most of the expected damage is river and rain flooding (76%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Greenfield 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 Highland County, 2% of homes in mapped flood zones carry federal flood insurance, and 0.0% of all homes do.
How much is flood insurance in Greenfield?
FEMA’s Community Rating System list shows no discount for Greenfield’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 Greenfield?
By FEMA money that reached Greenfield, Severe Winter Storms, Flooding, and Mudslides (2004): 2 households applied for aid, $3K approved, and $41K to the Village of Greenfield for repairs.
Is Greenfield at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Greenfield’s rate for it is lower than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Greenfield.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Greenfield’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.