Photo: Nyttend · Public domainFEMA expects less hazard damage per building in Loramie Township than in 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Loramie Township gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns, #341 of 993 in Ohio. Most of that expected damage is river and rain flooding (57%), then earthquakes (16%). Flood insurance has paid 1 claim here since 1995.
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 Loramie 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
Earthquakes
Tornadoes
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 Loramie Township’s grade
River and rain flooding is 57% of the building damage FEMA expects in Loramie Township, and Loramie Township’s rate of river and rain flooding damage is lower than 87% of U.S. census tracts. Next is earthquakes at 16% (higher than 77% of U.S. census tracts).
A #341 of 993 in Ohio; lower expected damage per building than 86% of U.S. towns (21,298).
All of Loramie 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, Loramie Township has less expected damage per building than 66% of Ohio towns.
In dollars, FEMA expects about $894K a year in losses across Loramie Township: $681K to buildings, the rest to people and crops.
Does Loramie Township flood? Rarely: 1 flood claim since 1995
Every paid claim on a federal flood insurance policy in Loramie Township, from FEMA’s records: 1.1 per 1,000 homes, fewer than 75% of the 13,809 U.S. towns with a flood insurance record.
Loramie 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: Shelby County.1 federal disaster brought FEMA money to Loramie Township
Disasters that paid out in Loramie Township itself (aid to households or repair grants to Loramie Township), newest first, with that year’s flood claims.
- 2004Snow$2K to Loramie Township for repairs
Shelby County has had 11 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 Loramie Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Loramie Township archive →Loramie Township and its neighbors
Loramie Township is 2nd of the 5 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 |
|---|---|---|---|
| Washington Township | Aless damage than 86% | river and rain flooding | — |
| Loramie Township | Aless damage than 86% | river and rain flooding | 1 |
| Cynthian Township | B+less damage than 73% | river and rain flooding | — |
| Newberry Township | B+less damage than 72% | river and rain flooding | 3 |
| Wayne Township | Bless damage than 62% | river and rain flooding | 3 |
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 Loramie 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Loramie Township
Is Loramie Township at risk for natural disasters?
On FEMA’s National Risk Index, Loramie Township has lower expected damage per building than 86% of U.S. towns: A for hazard risk, #341 of 993 in Ohio. Most of the expected damage is river and rain flooding (57%) and earthquakes (16%). 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 Loramie Township flood?
Flood insurance has paid 1 claim in Loramie Township since 1995, $12K in all, or 1.1 per 1,000 homes, fewer than 75% of U.S. towns with a flood insurance record.
Is Loramie 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 Shelby County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Loramie Township?
FEMA’s Community Rating System list shows no discount for Loramie 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 Loramie Township?
By FEMA money that reached Loramie Township, Snow (2004): $2K to Loramie Township for repairs.
Is Loramie Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (57%), and Loramie Township’s rate for it is lower than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Loramie Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Loramie 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.