Photo: Ibagli · Public domainOn FEMA’s figures, Licking Township faces less hazard damage per building than 71% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Licking Township gets a B+ for hazard risk: lower expected damage per building than 71% of U.S. towns, #602 of 993 in Ohio. Most of that expected damage is river and rain flooding (80%), then hail (11%). Flood insurance has paid 14 claims here since 2020.
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 Licking 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
Hail
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 Licking Township’s grade
River and rain flooding is 80% of the building damage FEMA expects in Licking Township, and Licking Township’s rate of river and rain flooding damage is lower than 51% of U.S. census tracts. Hail adds 11%, at a rate in the top 10% of U.S. census tracts.
B+ #602 of 993 in Ohio; lower expected damage per building than 71% of U.S. towns (21,298).
Licking 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, Licking Township has more expected damage per building than 61% of Ohio towns.
In dollars, FEMA expects about $1.4M a year in losses across Licking Township: $1.2M to buildings, the rest to people and crops.
Does Licking Township flood? Sometimes: 14 flood claims since 2020
Every paid claim on a federal flood insurance policy in Licking Township, from FEMA’s records: 6.9 per 1,000 homes, more than 67% of the 13,809 U.S. towns with a flood insurance record.
Licking 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: Licking County.The storms Licking Township remembers
None of the 17 disasters declared for Licking County shows FEMA aid or repair money reaching Licking Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 202013 flood claims paidNo declaration for the county that year
- 20261 flood claims paidThe year of Severe Storms, Straight-line Winds, Tornadoes, Flooding, and Landslides, declared for Licking County
Licking County has had 17 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 Licking Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Licking Township archive →Licking Township and its neighbors
Licking Township is 4th of the 9 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 |
|---|---|---|---|
| Hebron | A−less damage than 82% | river and rain flooding | 41 |
| Harbor Hills | A−less damage than 81% | river and rain flooding | — |
| Thorn Township | A−less damage than 76% | river and rain flooding | 2 |
| Licking Township | B+less damage than 71% | river and rain flooding | 14 |
| Bowling Green Township | B+less damage than 67% | river and rain flooding | — |
| Franklin Township | B+less damage than 66% | river and rain flooding | — |
| Union Township | Bless damage than 62% | river and rain flooding | 17 |
| Heath | Bless damage than 60% | river and rain flooding | 37 |
| Buckeye Lake | C−more damage than 76% | river and rain flooding | 9 |
| Thornport | — | 998 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 Licking 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Licking Township
Is Licking Township at risk for natural disasters?
On FEMA’s National Risk Index, Licking Township has lower expected damage per building than 71% of U.S. towns: B+ for hazard risk, #602 of 993 in Ohio. Most of the expected damage is river and rain flooding (80%) and hail (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Licking Township flood?
Flood insurance has paid 14 claims in Licking Township since 2020, $914K in all, or 6.9 per 1,000 homes, more than 67% of U.S. towns with a flood insurance record.
Is Licking 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 Licking County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Licking Township?
FEMA’s Community Rating System list shows no discount for Licking Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Licking Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Licking Township’s rate for it is lower than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Licking Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Licking 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.