John Cook Farm · Photo: Wdzinc · CC BY-SA 3.0FEMA expects about as much hazard damage per building in Harlem Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Harlem Township gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns, #865 of 993 in Ohio. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 4 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 Harlem 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 Harlem Township’s grade
River and rain flooding is 85% of the building damage FEMA expects in Harlem Township, and Harlem Township’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Next is tornadoes at 7% (higher than 70% of U.S. census tracts).
C+ #865 of 993 in Ohio; higher expected damage per building than 58% of U.S. towns (21,298).
Harlem 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, Harlem Township has more expected damage per building than 87% of Ohio towns.
In dollars, FEMA expects about $1.5M a year in losses across Harlem Township: $1.3M to buildings, the rest to people and crops.
Does Harlem Township flood? Rarely: 4 flood claims since 1978
Every paid claim on a federal flood insurance policy in Harlem Township, from FEMA’s records: 2.1 per 1,000 homes, fewer than 61% of the 13,809 U.S. towns with a flood insurance record.
Harlem 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: Delaware County.1 federal disaster brought FEMA money to Harlem Township
Disasters that paid out in Harlem Township itself (aid to households or repair grants to Harlem Township), newest first, with that year’s flood claims.
- 2008Record Snow and Near Record Snow$6K to Harlem Township for repairs
Delaware County has had 12 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 Harlem Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Harlem Township archive →Harlem Township and its neighbors
Harlem 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 |
|---|---|---|---|
| Monroe Township | A−less damage than 79% | river and rain flooding | 1 |
| Plain Township | A−less damage than 76% | river and rain flooding | 1 |
| Hartford Township | B+less damage than 71% | river and rain flooding | — |
| Genoa Township | Bless damage than 62% | river and rain flooding | 2 |
| Harlem Township | C+more damage than 58% | river and rain flooding | 4 |
| Trenton Township | C+more damage than 64% | river and rain flooding | 2 |
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 Harlem 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 Harlem Township
Is Harlem Township at risk for natural disasters?
On FEMA’s National Risk Index, Harlem Township has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk, #865 of 993 in Ohio. Most of the expected damage is river and rain flooding (85%) and tornadoes (7%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Harlem Township flood?
Flood insurance has paid 4 claims in Harlem Township since 1978, $5K in all, or 2.1 per 1,000 homes, fewer than 61% of U.S. towns with a flood insurance record.
Is Harlem 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 Delaware County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Harlem Township?
FEMA’s Community Rating System list shows no discount for Harlem 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 Harlem Township?
By FEMA money that reached Harlem Township, Record Snow and Near Record Snow (2008): $6K to Harlem Township for repairs.
Is Harlem Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Harlem Township’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Harlem Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harlem 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.