Less hazard damage per building is expected in Hardy Township than in 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hardy Township gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns, #332 of 993 in Ohio. Most of that expected damage is river and rain flooding (74%). Flood insurance has paid 8 claims here since 1978.
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 Hardy 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
Hail
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 Hardy Township’s grade
River and rain flooding is 74% of the building damage FEMA expects in Hardy Township, and Hardy Township’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Winter storms add 1%, at a rate in the top 7% of U.S. census tracts.
A #332 of 993 in Ohio; lower expected damage per building than 87% of U.S. towns (21,298).
Hardy Township’s residents live in 7 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, Hardy Township has less expected damage per building than 67% of Ohio towns.
In dollars, FEMA expects about $1.6M a year in losses across Hardy Township: $1.3M to buildings, the rest to people and crops.
Does Hardy Township flood? Rarely: 8 flood claims since 1978
Every paid claim on a federal flood insurance policy in Hardy Township, from FEMA’s records: 3.2 per 1,000 homes, fewer than 51% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms1 claim · $64K
Hardy 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: Holmes County.2 federal disasters brought FEMA money to Hardy Township
Disasters that paid out in Hardy Township itself (aid to households or repair grants to Hardy Township), newest first, with that year’s flood claims.
- 2004Severe Winter Storms, Flooding, and Mudslides$21K to Hardy Township for repairs
- 2004Severe Storms and Flooding$31K to Hardy Township for repairs
Holmes County has had 9 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 Hardy Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hardy Township archive →Hardy Township and its neighbors
Hardy Township is 3rd 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 |
|---|---|---|---|
| Berlin Township | Aless damage than 95% | river and rain flooding | — |
| Prairie Township | Aless damage than 93% | river and rain flooding | — |
| Hardy Township | Aless damage than 87% | river and rain flooding | 8 |
| Mechanic Township | B+less damage than 74% | river and rain flooding | 1 |
| Monroe Township | Bless damage than 58% | river and rain flooding | — |
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 Hardy 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Hardy Township
Is Hardy Township at risk for natural disasters?
On FEMA’s National Risk Index, Hardy Township has lower expected damage per building than 87% of U.S. towns: A for hazard risk, #332 of 993 in Ohio. Most of the expected damage is river and rain flooding (74%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hardy Township flood?
Flood insurance has paid 8 claims in Hardy Township since 1978, $114K in all, or 3.2 per 1,000 homes, fewer than 51% of U.S. towns with a flood insurance record. The most claims came from Late winter storms (1).
Is Hardy 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 Holmes County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Hardy Township?
FEMA’s Community Rating System list shows no discount for Hardy 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 Hardy Township?
By FEMA money that reached Hardy Township, Severe Storms and Flooding (2004): $31K to Hardy Township for repairs. By flood claims, Late winter storms: 1 paid, $64K.
Is Hardy Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Hardy Township’s rate for it is lower than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hardy Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hardy 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.