T.J. and Sarah Bull House · Photo: Chris Light · CC BY-SA 3.0More hazard damage per building is expected in Loudonville than in 79% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Loudonville gets a C− for hazard risk: higher expected damage per building than 79% of U.S. towns, #951 of 993 in Ohio. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 7 claims here since 1980.
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 Loudonville 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
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 Loudonville’s grade
River and rain flooding is 87% of the building damage FEMA expects in Loudonville, and Loudonville’s rate of river and rain flooding damage is higher than 88% of U.S. census tracts.
C− #951 of 993 in Ohio; higher expected damage per building than 79% of U.S. towns (21,298).
Loudonville’s residents live in 2 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, Loudonville has more expected damage per building than 96% of Ohio towns.
In dollars, FEMA expects about $1.6M a year in losses across Loudonville: $1.5M to buildings, the rest to people and crops.
Does Loudonville flood? Rarely: 7 flood claims since 1980
Every paid claim on a federal flood insurance policy in Loudonville, from FEMA’s records: 4.6 per 1,000 homes, more than 58% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms2 claims · $102K
Loudonville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ashland County.1 federal disaster brought FEMA money to Loudonville
Disasters that paid out in Loudonville itself (aid to households or repair grants to the Village of Loudonville), newest first, with that year’s flood claims.
- 2004Severe Winter Storms, Flooding, and Mudslides13 households applied for aid$10K aid approved
Ashland 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.
Old photos of Loudonville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Loudonville archive →Loudonville and its neighbors
Loudonville is 3rd of the 3 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 |
|---|---|---|---|
| Green Township | B−more damage than 54% | river and rain flooding | — |
| Hanover Township | C−more damage than 78% | river and rain flooding | 23 |
| Loudonville | C−more damage than 79% | river and rain flooding | 7 |
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 Loudonville 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.
- 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 Loudonville
Is Loudonville at risk for natural disasters?
On FEMA’s National Risk Index, Loudonville has higher expected damage per building than 79% of U.S. towns: C− for hazard risk, #951 of 993 in Ohio. Most of the expected damage is river and rain flooding (87%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Loudonville flood?
Flood insurance has paid 7 claims in Loudonville since 1980, $211K in all, or 4.6 per 1,000 homes, more than 58% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Late winter storms (2).
Is Loudonville 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 Ashland County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Loudonville?
FEMA’s Community Rating System list shows no discount for Loudonville’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 Loudonville?
By FEMA money that reached Loudonville, Severe Winter Storms, Flooding, and Mudslides (2004): 13 households applied for aid, $10K approved. By flood claims, Late winter storms: 2 paid, $102K.
Is Loudonville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Loudonville’s rate for it is higher than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Loudonville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Loudonville’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.