Photo: Nyttend · Public domainFEMA puts Harrison Township’s expected hazard damage per building below that of 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Harrison Township gets an A− for hazard risk: lower expected damage per building than 84% of U.S. towns, #385 of 993 in Ohio. Most of that expected damage is river and rain flooding (80%). Flood insurance has paid 17 claims here since 1990.
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 Harrison 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
Earthquakes
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 Harrison Township’s grade
River and rain flooding is 80% of the building damage FEMA expects in Harrison Township, and Harrison Township’s rate of river and rain flooding damage is lower than 63% of U.S. census tracts. Next is earthquakes at 6% (higher than 53% of U.S. census tracts).
A− #385 of 993 in Ohio; lower expected damage per building than 84% of U.S. towns (21,298).
Harrison Township’s residents live in 11 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, Harrison Township has less expected damage per building than 61% of Ohio towns.
In dollars, FEMA expects about $4.5M a year in losses across Harrison Township: $3.5M to buildings, the rest to people and crops.
Does Harrison Township flood? Sometimes: 17 flood claims since 1990
Every paid claim on a federal flood insurance policy in Harrison Township, from FEMA’s records: 1.4 per 1,000 homes, fewer than 70% of the 13,809 U.S. towns with a flood insurance record.
- The Central U.S. April Flooding1 claim · $40K
Harrison 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: Montgomery County.The storms Harrison Township remembers
None of the 10 disasters declared for Montgomery County shows FEMA aid or repair money reaching Harrison Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20055 flood claims paidNo declaration for the county that year
- 20134 flood claims paidNo declaration for the county that year
- 20043 flood claims paidThe year of Severe Winter Storms, Flooding, and Mudslides, declared for Montgomery County
Montgomery County has had 10 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 Harrison Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Harrison Township archive →Harrison Township and its neighbors
Harrison Township is 5th of the 10 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 |
|---|---|---|---|
| Fort McKinley | A+less damage than 98% | river and rain flooding | — |
| Vandalia | A+less damage than 96% | river and rain flooding | — |
| Butler Township | A+less damage than 95% | river and rain flooding | 22 |
| Huber Heights | Aless damage than 93% | river and rain flooding | 7 |
| Harrison Township | A−less damage than 84% | river and rain flooding | 17 |
| Clayton | A−less damage than 84% | river and rain flooding | 7 |
| Shiloh | A−less damage than 79% | river and rain flooding | 17 |
| Riverside | A−less damage than 78% | river and rain flooding | 3 |
| Trotwood | B+less damage than 65% | river and rain flooding | 10 |
| Dayton | Bless damage than 60% | river and rain flooding | 24 |
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 Harrison 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Harrison Township
Is Harrison Township at risk for natural disasters?
On FEMA’s National Risk Index, Harrison Township has lower expected damage per building than 84% of U.S. towns: A− for hazard risk, #385 of 993 in Ohio. Most of the expected damage is river and rain flooding (80%) and earthquakes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Harrison Township flood?
Flood insurance has paid 17 claims in Harrison Township since 1990, $199K in all, or 1.4 per 1,000 homes, fewer than 70% of U.S. towns with a flood insurance record. The most claims came from Central U.S. April Flooding (1).
Is Harrison 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 Montgomery County, 25% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Harrison Township?
FEMA’s Community Rating System list shows no discount for Harrison 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 Harrison Township?
By flood claims, Central U.S. April Flooding: 1 paid, $40K.
Is Harrison Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Harrison Township’s rate for it is lower than 63% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Harrison Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Harrison 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.