Photo: OZinOH on Flickr · CC BY 2.0FEMA puts Jefferson Township’s expected hazard damage per building below that of 95% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Jefferson Township gets an A+ for hazard risk: lower expected damage per building than 95% of U.S. towns, #90 of 993 in Ohio. Most of that expected damage is river and rain flooding (75%), then tornadoes (11%). Flood insurance has paid 11 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 Jefferson 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
Strong wind
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 Jefferson Township’s grade
River and rain flooding is 75% of the building damage FEMA expects in Jefferson Township, and Jefferson Township’s rate of river and rain flooding damage is lower than 83% of U.S. census tracts. Winter storms add 2%, at a rate in the top 5% of U.S. census tracts.
A+ #90 of 993 in Ohio; lower expected damage per building than 95% of U.S. towns (21,298).
Jefferson 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, Jefferson Township has less expected damage per building than 91% of Ohio towns.
In dollars, FEMA expects about $982K a year in losses across Jefferson Township: $770K to buildings, the rest to people and crops.
Does Jefferson Township flood? Sometimes: 11 flood claims since 1978
Every paid claim on a federal flood insurance policy in Jefferson Township, from FEMA’s records: 4.4 per 1,000 homes, more than 57% of the 13,809 U.S. towns with a flood insurance record.
Jefferson 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: Ashtabula County.The storms Jefferson Township remembers
None of the 11 disasters declared for Ashtabula County shows FEMA aid or repair money reaching Jefferson Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19792 flood claims paidNo declaration for the county that year
- 20062 flood claims paidThe year of Severe Storms, Straight Line Winds, and Flooding, declared for Ashtabula County
- 20112 flood claims paidNo declaration for the county that year
Ashtabula County has had 11 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 Jefferson Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Jefferson Township archive →Jefferson Township and its neighbors
Jefferson Township has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Jefferson Township | A+less damage than 95% | river and rain flooding | 11 |
| Plymouth Township | Aless damage than 88% | river and rain flooding | 3 |
| Lenox Township | Aless damage than 87% | river and rain flooding | 3 |
| Austinburg Township | A−less damage than 82% | river and rain flooding | — |
| Denmark Township | — | 584 residents; we grade 1,000+ | |
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 Jefferson 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Jefferson Township
Is Jefferson Township at risk for natural disasters?
On FEMA’s National Risk Index, Jefferson Township has lower expected damage per building than 95% of U.S. towns: A+ for hazard risk, #90 of 993 in Ohio. Most of the expected damage is river and rain flooding (75%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Jefferson Township flood?
Flood insurance has paid 11 claims in Jefferson Township since 1978, $160K in all, or 4.4 per 1,000 homes, more than 57% of U.S. towns with a flood insurance record.
Is Jefferson 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 Ashtabula County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Jefferson Township?
FEMA’s Community Rating System list shows no discount for Jefferson Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Jefferson Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Jefferson Township’s rate for it is lower than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Jefferson Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Jefferson 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.