Photo: Nyttend · Public domainLess hazard damage per building is expected in Lick Township than in 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lick Township gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns, #517 of 993 in Ohio. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 66 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 stands out about Lick Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Lick 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 Lick Township’s grade
River and rain flooding is 87% of the building damage FEMA expects in Lick Township, and Lick Township’s rate of river and rain flooding damage is lower than 51% of U.S. census tracts. Next is tornadoes at 5% (higher than 52% of U.S. census tracts).
A− #517 of 993 in Ohio; lower expected damage per building than 78% of U.S. towns (21,298).
Lick Township’s residents live in 6 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, Lick Township has more expected damage per building than 52% of Ohio towns.
In dollars, FEMA expects about $747K a year in losses across Lick Township: $634K to buildings, the rest to people and crops.
Does Lick Township flood? Sometimes: 66 flood claims since 1978
Every paid claim on a federal flood insurance policy in Lick Township, from FEMA’s records: 51.3 per 1,000 homes, more than 93% of the 13,809 U.S. towns with a flood insurance record.
Lick 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: Jackson County.3 federal disasters brought FEMA money to Lick Township
Disasters that paid out in Lick Township itself (aid to households or repair grants to Lick Township), newest first, with that year’s flood claims.
- 2018Severe Storms, Landslides, and Mudslides$167K to Lick Township for repairs1 flood claim paid that year
- 2012Severe Storms and Straight-line Winds$3K to Lick Township for repairs4 flood claims paid that year
- 2003Severe Winter Storm and Record/near Record Snow$25K to Lick Township for repairs
Jackson 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 Lick Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lick Township archive →Lick Township and its neighbors
Lick Township is 4th 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 |
|---|---|---|---|
| Milton Township | Aless damage than 86% | river and rain flooding | 16 |
| Jackson | A−less damage than 85% | river and rain flooding | 86 |
| Franklin Township | A−less damage than 85% | river and rain flooding | — |
| Lick Township | A−less damage than 78% | river and rain flooding | 66 |
| Liberty Township | Bless damage than 65% | river and rain flooding | 46 |
| Coal Township | B−less damage than 53% | 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 Lick 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 Lick Township
Is Lick Township at risk for natural disasters?
On FEMA’s National Risk Index, Lick Township has lower expected damage per building than 78% of U.S. towns: A− for hazard risk, #517 of 993 in Ohio. Most of the expected damage is river and rain flooding (87%) and tornadoes (5%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lick Township flood?
Flood insurance has paid 66 claims in Lick Township since 1978, $677K in all, or 51.3 per 1,000 homes, more than 93% of U.S. towns with a flood insurance record.
Is Lick 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 Jackson County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Lick Township?
FEMA’s Community Rating System list shows no discount for Lick 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 Lick Township?
By FEMA money that reached Lick Township, Severe Storms, Landslides, and Mudslides (2018): $167K to Lick Township for repairs.
Is Lick Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Lick Township’s rate for it is lower than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lick Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lick 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.