Photo: SilentMatt Psychedelic · CC BY-SA 4.0FEMA puts Henrietta Township’s expected hazard damage per building below that of 77% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Henrietta Township gets an A− for hazard risk: lower expected damage per building than 77% of U.S. towns. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 10 claims here since 2008.
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 Henrietta 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 Henrietta Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Henrietta Township, and Henrietta Township’s rate of river and rain flooding damage is lower than 56% of U.S. census tracts. Next is tornadoes at 8% (higher than 62% of U.S. census tracts).
A− lower expected damage per building than 77% of U.S. towns (21,298).
All of Henrietta Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $626K a year in losses across Henrietta Township: $545K to buildings, the rest to people and crops.
Does Henrietta Township flood? Sometimes: 10 flood claims since 2008
Every paid claim on a federal flood insurance policy in Henrietta Township, from FEMA’s records: 13.0 per 1,000 homes, more than 78% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms3 claims · $51K
Henrietta 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: Lorain County.The storms Henrietta Township remembers
None of the 15 disasters declared for Lorain County shows FEMA aid or repair money reaching Henrietta Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20114 flood claims paidNo declaration for the county that year
- 20232 flood claims paidNo declaration for the county that year
- 20081 flood claims paidNo declaration for the county that year
Lorain County has had 15 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 Henrietta Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Henrietta Township archive →Henrietta Township and its neighbors
Henrietta Township is 4th 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 |
|---|---|---|---|
| New Russia Township | Aless damage than 95% | river and rain flooding | 5 |
| Camden Township | Aless damage than 90% | river and rain flooding | — |
| Brownhelm Township | A−less damage than 82% | river and rain flooding | 46 |
| Henrietta Township | A−less damage than 77% | river and rain flooding | 10 |
| Florence 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 Henrietta 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 Henrietta Township
Is Henrietta Township at risk for natural disasters?
On FEMA’s National Risk Index, Henrietta Township has lower expected damage per building than 77% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (82%) and tornadoes (8%). 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 Henrietta Township flood?
Flood insurance has paid 10 claims in Henrietta Township since 2008, $264K in all, or 13.0 per 1,000 homes, more than 78% of U.S. towns with a flood insurance record. The most claims came from Late winter storms (3).
Is Henrietta 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 Lorain County, 30% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Henrietta Township?
FEMA’s Community Rating System list shows no discount for Henrietta 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 Henrietta Township?
By flood claims, Late winter storms: 3 paid, $51K.
Is Henrietta Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Henrietta Township’s rate for it is lower than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Henrietta Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Henrietta 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.