Photo: Nyttend · Public domainOn FEMA’s figures, Jerome Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Jerome Township gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns, #747 of 993 in Ohio. Most of that expected damage is river and rain flooding (80%). Flood insurance has paid 6 claims here since 1997.
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 Jerome 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 Jerome Township’s grade
River and rain flooding is 80% of the building damage FEMA expects in Jerome Township, and Jerome Township’s rate of river and rain flooding damage is higher than 59% of U.S. census tracts. Ice storms add 3%, at a rate in the top 7% of U.S. census tracts.
B #747 of 993 in Ohio; lower expected damage per building than 58% of U.S. towns (21,298).
Jerome Township’s residents live in 4 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, Jerome Township has more expected damage per building than 75% of Ohio towns.
In dollars, FEMA expects about $3.3M a year in losses across Jerome Township: $3.0M to buildings, the rest to people and crops.
Does Jerome Township flood? Rarely: 6 flood claims since 1997
Every paid claim on a federal flood insurance policy in Jerome Township, from FEMA’s records: 1.7 per 1,000 homes, fewer than 66% of the 13,809 U.S. towns with a flood insurance record.
Jerome 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: Union County.4 federal disasters brought FEMA money to Jerome Township
Disasters that paid out in Jerome Township itself (aid to households or repair grants to Jerome Township), newest first, with that year’s flood claims.
- 2008Severe Wind Storm Associated with Tropical Depression Ike$4K to Jerome Township for repairs
- 2008Record Snow and Near Record Snow$3K to Jerome Township for repairs
- 2004Snow$3K to Jerome Township for repairs
- 2003Severe Winter Storm and Record/near Record Snow$2K to Jerome Township for repairs
Union 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 Jerome Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Jerome Township archive →Jerome Township and its neighbors
Jerome 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 |
|---|---|---|---|
| Millcreek Township | B+less damage than 71% | river and rain flooding | 2 |
| Concord Township | B+less damage than 66% | river and rain flooding | 1 |
| Dublin | Bless damage than 64% | river and rain flooding | 7 |
| Darby Township | Bless damage than 63% | river and rain flooding | — |
| Jerome Township | Bless damage than 58% | river and rain flooding | 6 |
| Darby Township | B−more damage than 50% | 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 Jerome 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 Jerome Township
Is Jerome Township at risk for natural disasters?
On FEMA’s National Risk Index, Jerome Township has lower expected damage per building than 58% of U.S. towns: B for hazard risk, #747 of 993 in Ohio. Most of the expected damage is river and rain flooding (80%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Jerome Township flood?
Flood insurance has paid 6 claims in Jerome Township since 1997, $99K in all, or 1.7 per 1,000 homes, fewer than 66% of U.S. towns with a flood insurance record.
Is Jerome 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 Union County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Jerome Township?
FEMA’s Community Rating System list shows no discount for Jerome 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 Jerome Township?
By FEMA money that reached Jerome Township, Severe Wind Storm Associated with Tropical Depression Ike (2008): $4K to Jerome Township for repairs.
Is Jerome Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Jerome Township’s rate for it is higher than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Jerome Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Jerome 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.