Photo: Nyttend · Public domainFEMA expects less hazard damage per building in Harmony Township than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Harmony Township gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns, #670 of 993 in Ohio. Most of that expected damage is river and rain flooding (77%). 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 Harmony 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 Harmony Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Harmony Township, and Harmony Township’s rate of river and rain flooding damage is higher than 50% of U.S. census tracts. Ice storms add 2%, at a rate in the top 9% of U.S. census tracts.
B+ #670 of 993 in Ohio; lower expected damage per building than 66% of U.S. towns (21,298).
Harmony 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, Harmony Township has more expected damage per building than 67% of Ohio towns.
In dollars, FEMA expects about $565K a year in losses across Harmony Township: $492K to buildings, the rest to people and crops.
Does Harmony Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Harmony Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Harmony 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: Morrow County.The storms Harmony Township remembers
None of the 12 disasters declared for Morrow County shows FEMA aid or repair money reaching Harmony Township itself in FEMA’s records, so these are its biggest flood-claim years.
Morrow 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.
Harmony Township and its neighbors
Harmony Township is 2nd of the 4 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 |
|---|---|---|---|
| Chester Township | B+less damage than 73% | river and rain flooding | — |
| Harmony Township | B+less damage than 66% | river and rain flooding | 0 |
| Franklin Township | Bless damage than 64% | river and rain flooding | — |
| Lincoln Township | B−more damage than 53% | 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 Harmony 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 Harmony Township
Is Harmony Township at risk for natural disasters?
On FEMA’s National Risk Index, Harmony Township has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk, #670 of 993 in Ohio. Most of the expected damage is river and rain flooding (77%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Harmony 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 Morrow County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Harmony Township?
FEMA’s Community Rating System list shows no discount for Harmony Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Harmony Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Harmony Township’s rate for it is higher than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Harmony Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harmony 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.