Photo: Nyttend · Public domainFEMA puts Guyan Township’s expected hazard damage per building above that of 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Guyan Township gets a D for hazard risk: higher expected damage per building than 88% of U.S. towns. Most of that expected damage is river and rain flooding (96%). Flood insurance has paid 9 claims here since 1996.
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 Guyan 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 Guyan Township’s grade
River and rain flooding is 96% of the building damage FEMA expects in Guyan Township, and Guyan Township’s rate of river and rain flooding damage is in the top 5% of U.S. census tracts.
D higher expected damage per building than 88% of U.S. towns (21,298).
All of Guyan Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $562K a year in losses across Guyan Township: $433K to buildings, the rest to people and crops.
Does Guyan Township flood? Rarely: 9 flood claims since 1996
Every paid claim on a federal flood insurance policy in Guyan Township, from FEMA’s records: 15.8 per 1,000 homes, more than 81% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan1 claim · $3K
Guyan 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: Gallia County.5 federal disasters brought FEMA money to Guyan Township
Disasters that paid out in Guyan Township itself (aid to households or repair grants to Guyan Township), newest first, with that year’s flood claims.
- 2019Severe Storms, Flooding, and Landslides$14K to Guyan Township for repairs
- 2012Severe Storms and Straight-line Winds$41K to Guyan Township for repairs
- 2011Severe Storms and Flooding$200K to Guyan Township for repairs
- 2004Severe Storms and Flooding$59K to Guyan Township for repairs1 flood claim paid that year
- 2003Severe Winter Storm and Record/near Record Snow$43K to Guyan Township for repairs
Gallia County has had 13 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 Guyan Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Guyan Township archive →Guyan Township and its neighbors
Guyan Township is 2nd of the 2 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 |
|---|---|---|---|
| Rome Township | Dmore damage than 87% | river and rain flooding | 53 |
| Guyan Township | Dmore damage than 88% | river and rain flooding | 9 |
| Crown City | — | 484 residents; we grade 1,000+ | |
| Mason Township | — | 694 residents; we grade 1,000+ | |
| Ohio Township | — | 990 residents; we grade 1,000+ | |
| Harrison Township | — | 649 residents; we grade 1,000+ | |
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 Guyan 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 Guyan Township
Is Guyan Township at risk for natural disasters?
On FEMA’s National Risk Index, Guyan Township has higher expected damage per building than 88% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (96%). 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 Guyan Township flood?
Flood insurance has paid 9 claims in Guyan Township since 1996, $89K in all, or 15.8 per 1,000 homes, more than 81% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (1).
Is Guyan 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 Gallia County, 10% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Guyan Township?
FEMA’s Community Rating System list shows no discount for Guyan 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 Guyan Township?
By FEMA money that reached Guyan Township, Severe Storms and Flooding (2011): $200K to Guyan Township for repairs. By flood claims, Tropical Storm Ivan: 1 paid, $3K.
Is Guyan Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (96%), and Guyan Township’s rate for it is in the top 5% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Guyan Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Guyan 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.