Photo: Duds98 · CC BY-SA 3.0On FEMA’s figures, Guilford Township faces less hazard damage per building than 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Guilford Township gets an A for hazard risk: lower expected damage per building than 92% of U.S. towns, #187 of 993 in Ohio. Most of that expected damage is river and rain flooding (72%), then tornadoes (16%). Flood insurance has paid 3 claims here since 2004.
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 Guilford 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
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 Guilford Township’s grade
River and rain flooding is 72% of the building damage FEMA expects in Guilford Township, and Guilford Township’s rate of river and rain flooding damage is lower than 81% of U.S. census tracts. Winter storms add 1%, at a rate in the top 6% of U.S. census tracts.
A #187 of 993 in Ohio; lower expected damage per building than 92% of U.S. towns (21,298).
All of Guilford Township’s residents live in one census tract; the figures are that tract’s.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Guilford Township has less expected damage per building than 81% of Ohio towns.
In dollars, FEMA expects about $670K a year in losses across Guilford Township: $548K to buildings, the rest to people and crops.
Does Guilford Township flood? Rarely: 3 flood claims since 2004
Every paid claim on a federal flood insurance policy in Guilford Township, from FEMA’s records: 2.4 per 1,000 homes, fewer than 57% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms1 claim · $2K
- Tropical Storm Erin1 claim · $10K
Guilford 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: Medina County.1 federal disaster brought FEMA money to Guilford Township
Disasters that paid out in Guilford Township itself (aid to households or repair grants to Guilford Township), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding$6K to Guilford Township for repairs1 flood claim paid that year
Medina County has had 11 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 Guilford Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Guilford Township archive →Guilford Township and its neighbors
Guilford Township is 4th of the 7 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 |
|---|---|---|---|
| Wadsworth Township | Aless damage than 94% | river and rain flooding | — |
| Westfield Township | Aless damage than 94% | river and rain flooding | — |
| Seville | Aless damage than 92% | river and rain flooding | 1 |
| Guilford Township | Aless damage than 92% | river and rain flooding | 3 |
| Montville Township | Aless damage than 90% | river and rain flooding | 24 |
| Rittman | A−less damage than 79% | river and rain flooding | 37 |
| Milton Township | B+less damage than 73% | river and rain flooding | 4 |
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 Guilford 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.
- 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 Guilford Township
Is Guilford Township at risk for natural disasters?
On FEMA’s National Risk Index, Guilford Township has lower expected damage per building than 92% of U.S. towns: A for hazard risk, #187 of 993 in Ohio. Most of the expected damage is river and rain flooding (72%) and tornadoes (16%). 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.
Does Guilford Township flood?
Flood insurance has paid 3 claims in Guilford Township since 2004, $16K in all, or 2.4 per 1,000 homes, fewer than 57% of U.S. towns with a flood insurance record. The most claims came from Late winter storms (1).
Is Guilford 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 Medina County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Guilford Township?
FEMA’s Community Rating System list shows no discount for Guilford 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 Guilford Township?
By FEMA money that reached Guilford Township, Severe Storms and Flooding (2004): $6K to Guilford Township for repairs. By flood claims, Late winter storms: 1 paid, $2K.
Is Guilford Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Guilford Township’s rate for it is lower than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Guilford Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Guilford 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.