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Clarence Darrow Octagon HousePhoto: Nyttend · Public domain
AHazard risk
Natural hazards in Kinsman Township · FEMA

FEMA expects less hazard damage per building in Kinsman Township than in 87% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Kinsman Township gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns. Most of that expected damage is river and rain flooding (80%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 80%Tornadoes 8%Hail 5%

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

less than 87%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A
in Ohio · lower than 87% of U.S. towns
Main hazard
River and rain flooding
80% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 8 declared for Trumbull County
By hazard

What Kinsman 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

80%of expected building damage
Below average · lower than 67% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

8%of expected building damage
About average · higher than 58% of U.S. census tracts
Smaller shares here
 Hail Strong wind Hurricanes Earthquakes Winter storms Ice storms Wildfire Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Kinsman Township’s grade

River and rain flooding is 80% of the building damage FEMA expects in Kinsman Township, and Kinsman Township’s rate of river and rain flooding damage is lower than 67% of U.S. census tracts. Next is tornadoes at 8% (higher than 58% of U.S. census tracts).

Where Kinsman Township sits
Kinsman Township
Least damageMiddleMost damage

A lower expected damage per building than 87% of U.S. towns (21,298).

All of Kinsman Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding80%Tornadoes8%Hail5%Everything else7%

In dollars, FEMA expects about $425K a year in losses across Kinsman Township: $345K to buildings, the rest to people and crops.

Shared tract.All of Kinsman Township’s 1,751 residents (2020 census) live in one census tract, which it shares with Kinsman Center CDP (574 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Kinsman Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Kinsman Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Kinsman 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: Trumbull County.
Disasters

2 federal disasters brought FEMA money to Kinsman Township

Disasters that paid out in Kinsman Township itself (aid to households or repair grants to Kinsman Township), newest first, with that year’s flood claims.

  1. 2004Severe Storms and Flooding1 households applied for aid$925 aid approved
  2. 2003Tornadoes, Flooding, Severe Storms, and High Winds5 households applied for aid$8K aid approved
Disasters declared, by decade
Paid out in Kinsman TownshipTrumbull County only

Trumbull County has had 8 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.

Were you here?

Old photos of Kinsman Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Kinsman Township archive →
Next door

Kinsman Township and its neighbors

Kinsman Township is 2nd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Gustavus Township: not gradedGreene Township: hazard risk C+Vernon Township: hazard risk AWilliamsfield Township: hazard risk AWest Salem Township: hazard risk C+Gustavus TownshipGreene TownshipVernon TownshipWilliamsfield TownshipWest Salem TownshipKinsman Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Williamsfield TownshipAless damage than 88%river and rain flooding—
Kinsman TownshipAless damage than 87%river and rain flooding0
Vernon TownshipAless damage than 86%river and rain flooding—
Greene TownshipC+more damage than 58%river and rain flooding—
West Salem TownshipC+more damage than 58%river and rain flooding3
Gustavus Township—945 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.

Be ready

Get ready for what Kinsman 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Kinsman Township

Is Kinsman Township at risk for natural disasters?

On FEMA’s National Risk Index, Kinsman Township has lower expected damage per building than 87% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (80%) 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.

Is Kinsman 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 Trumbull County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Kinsman Township?

FEMA’s Community Rating System list shows no discount for Kinsman 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 Kinsman Township?

By FEMA money that reached Kinsman Township, Tornadoes, Flooding, Severe Storms, and High Winds (2003): 5 households applied for aid, $8K approved.

Is Kinsman Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (80%), and Kinsman Township’s rate for it is lower than 67% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Kinsman Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kinsman 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.