West Sister Island Light · Public domainOn FEMA’s figures, Jerusalem 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, Jerusalem Township gets a B for hazard risk: lower expected damage per building than 57% of U.S. towns, #757 of 993 in Ohio. Most of that expected damage is river and rain flooding (81%). Flood insurance has paid 14 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 Jerusalem 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 Jerusalem Township’s grade
River and rain flooding is 81% of the building damage FEMA expects in Jerusalem Township, and Jerusalem Township’s rate of river and rain flooding damage is higher than 61% of U.S. census tracts. Coastal flooding adds 2%, at a rate in the top 5% of U.S. census tracts.
B #757 of 993 in Ohio; lower expected damage per building than 57% of U.S. towns (21,298).
All of Jerusalem Township’s residents live in one census tract; the figures are that tract’s.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Jerusalem Township has more expected damage per building than 76% of Ohio towns.
In dollars, FEMA expects about $877K a year in losses across Jerusalem Township: $706K to buildings, the rest to people and crops.
Does Jerusalem Township flood? Sometimes: 14 flood claims since 1978
Every paid claim on a federal flood insurance policy in Jerusalem Township, from FEMA’s records: 10.0 per 1,000 homes, more than 74% of the 13,809 U.S. towns with a flood insurance record.
Jerusalem 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: Lucas County.The storms Jerusalem Township remembers
None of the 12 disasters declared for Lucas County shows FEMA aid or repair money reaching Jerusalem Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19827 flood claims paidNo declaration for the county that year
- 19804 flood claims paidNo declaration for the county that year
- 19781 flood claims paidThe year of Blizzards and Snowstorms, declared for Lucas County
Lucas County has had 12 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 Jerusalem Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Jerusalem Township archive →Jerusalem Township and its neighbors
Jerusalem Township is 3rd of the 7 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 |
|---|---|---|---|
| Oregon | Aless damage than 87% | river and rain flooding | 128 |
| Washington Township | Bless damage than 64% | river and rain flooding | 66 |
| Jerusalem Township | Bless damage than 57% | river and rain flooding | 14 |
| Curtice | C+more damage than 62% | river and rain flooding | — |
| Allen Township | Cmore damage than 66% | river and rain flooding | 5 |
| Carroll Township | Cmore damage than 72% | river and rain flooding | 360 |
| Benton Township | Cmore damage than 74% | river and rain flooding | 15 |
| Put-in-Bay Township | — | 727 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 Jerusalem 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 Jerusalem Township
Is Jerusalem Township at risk for natural disasters?
On FEMA’s National Risk Index, Jerusalem Township has lower expected damage per building than 57% of U.S. towns: B for hazard risk, #757 of 993 in Ohio. Most of the expected damage is river and rain flooding (81%) and tornadoes (9%). 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 Jerusalem Township flood?
Flood insurance has paid 14 claims in Jerusalem Township since 1978, $59K in all, or 10.0 per 1,000 homes, more than 74% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Jerusalem 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 Lucas County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Jerusalem Township?
FEMA’s Community Rating System list shows no discount for Jerusalem Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Jerusalem Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Jerusalem Township’s rate for it is higher than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Jerusalem Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Jerusalem 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.