Photo: Nyttend · Public domainOn FEMA’s figures, Loudon Township faces less hazard damage per building than 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Loudon Township gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns. Most of that expected damage is river and rain flooding (73%). Flood insurance has paid 4 claims here since 1998.
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 Loudon 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
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 Loudon Township’s grade
River and rain flooding is 73% of the building damage FEMA expects in Loudon Township, and Loudon Township’s rate of river and rain flooding damage is lower than 53% of U.S. census tracts. Ice storms add 3%, at a rate in the top 8% of U.S. census tracts.
B+ lower expected damage per building than 66% of U.S. towns (21,298).
Loudon Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $609K a year in losses across Loudon Township: $495K to buildings, the rest to people and crops.
Does Loudon Township flood? Rarely: 4 flood claims since 1998
Every paid claim on a federal flood insurance policy in Loudon Township, from FEMA’s records: 3.7 per 1,000 homes, more than 53% of the 13,809 U.S. towns with a flood insurance record.
Loudon 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: Seneca County.The storms Loudon Township remembers
None of the 10 disasters declared for Seneca County shows FEMA aid or repair money reaching Loudon Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19982 flood claims paidNo declaration for the county that year
- 20171 flood claims paidNo declaration for the county that year
- 20261 flood claims paidNo declaration for the county that year
Seneca County has had 10 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 Loudon Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Loudon Township archive →Loudon Township and its neighbors
Loudon 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 |
|---|---|---|---|
| Fostoria | B+less damage than 72% | river and rain flooding | 8 |
| Loudon Township | B+less damage than 66% | river and rain flooding | 4 |
| Big Spring Township | Bless damage than 62% | river and rain flooding | 9 |
| Hopewell Township | Bless damage than 57% | river and rain flooding | 17 |
| Washington Township | B−less damage than 51% | river and rain flooding | 10 |
| Jackson Township | — | not graded yet | |
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 Loudon 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.
- 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 Loudon Township
Is Loudon Township at risk for natural disasters?
On FEMA’s National Risk Index, Loudon Township has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (73%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Loudon Township flood?
Flood insurance has paid 4 claims in Loudon Township since 1998, $189K in all, or 3.7 per 1,000 homes, more than 53% of U.S. towns with a flood insurance record.
Is Loudon 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 Seneca County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Loudon Township?
FEMA’s Community Rating System list shows no discount for Loudon Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Loudon Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Loudon Township’s rate for it is lower than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Loudon Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Loudon 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.