Photo: Nyttend · Public domainFEMA puts Mad River Township’s expected hazard damage per building below that of 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Mad River Township gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns, #630 of 993 in Ohio. Most of that expected damage is river and rain flooding (77%), then tornadoes (11%). Flood insurance has paid 11 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 Mad River 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 Mad River Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Mad River Township, and Mad River Township’s rate of river and rain flooding damage is lower than 51% of U.S. census tracts. Next is tornadoes at 11% (higher than 72% of U.S. census tracts).
B+ #630 of 993 in Ohio; lower expected damage per building than 68% of U.S. towns (21,298).
Mad River Township’s residents live in 5 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, Mad River Township has more expected damage per building than 63% of Ohio towns.
In dollars, FEMA expects about $3.0M a year in losses across Mad River Township: $2.2M to buildings, the rest to people and crops.
Does Mad River Township flood? Sometimes: 11 flood claims since 1980
Every paid claim on a federal flood insurance policy in Mad River Township, from FEMA’s records: 2.2 per 1,000 homes, fewer than 59% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms1 claim · $7K
Mad River 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: Clark County.The storms Mad River Township remembers
None of the 7 disasters declared for Clark County shows FEMA aid or repair money reaching Mad River Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20143 flood claims paidNo declaration for the county that year
- 19812 flood claims paidNo declaration for the county that year
- 19801 flood claims paidNo declaration for the county that year
Clark County has had 7 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 Mad River Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mad River Township archive →Mad River Township and its neighbors
Mad River Township is 4th of the 8 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 |
|---|---|---|---|
| Bath Township | A+less damage than 96% | river and rain flooding | 18 |
| Green Township | Aless damage than 94% | river and rain flooding | — |
| Miami Township | A−less damage than 77% | river and rain flooding | — |
| Mad River Township | B+less damage than 68% | river and rain flooding | 11 |
| Springfield Township | B+less damage than 66% | river and rain flooding | 11 |
| Springfield | Bless damage than 65% | river and rain flooding | 18 |
| Bethel Township | Bless damage than 64% | river and rain flooding | 26 |
| Holiday Valley | C+more damage than 65% | 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 Mad River 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 Mad River Township
Is Mad River Township at risk for natural disasters?
On FEMA’s National Risk Index, Mad River Township has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk, #630 of 993 in Ohio. Most of the expected damage is river and rain flooding (77%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Mad River Township flood?
Flood insurance has paid 11 claims in Mad River Township since 1980, $172K in all, or 2.2 per 1,000 homes, fewer than 59% of U.S. towns with a flood insurance record. The most claims came from Late winter storms (1).
Is Mad River 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 Clark County, 22% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Mad River Township?
FEMA’s Community Rating System list shows no discount for Mad River 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 Mad River Township?
By flood claims, Late winter storms: 1 paid, $7K.
Is Mad River Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Mad River Township’s rate for it is lower than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mad River Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mad River 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.