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B+Hazard risk
Natural hazards in Malaga Township · FEMA

Less hazard damage per building is expected in Malaga Township than in 70% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Malaga Township gets a B+ for hazard risk: lower expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 35 claims here since 1998.

River and rain flooding 86%Tornadoes 4%Hail 3%

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

less than 70%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Ohio · lower than 70% of U.S. towns
Main hazard
River and rain flooding
86% of expected building damage
Flood claims
35
paid since 1998 · $540K
Disasters paid out here
2
of 18 declared for Monroe County

What stands out about Malaga Township’s natural hazards

From FEMA’s model and FEMA’s records, below.

Lower expected damage than 70% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Remembers 200419 flood claims were paid for 2004 alone, the most of any year.
By hazard

What Malaga 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

86%of expected building damage
About average · higher than 55% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Tornadoes Hail Earthquakes Strong wind Ice storms Hurricanes Lightning top 2% Wildfire Cold waves Landslides Winter storms Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts lightning at 11% of Malaga Township’s expected losses. Lightning does little damage to buildings (0.6%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Malaga Township’s grade

River and rain flooding is 86% of the building damage FEMA expects in Malaga Township, and Malaga Township’s rate of river and rain flooding damage is higher than 55% of U.S. census tracts.

Where Malaga Township sits
Malaga Township
Least damageMiddleMost damage

B+ lower expected damage per building than 70% of U.S. towns (21,298).

All of Malaga Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding86%Tornadoes4%Hail3%Everything else6%

In dollars, FEMA expects about $342K a year in losses across Malaga Township: $253K to buildings, the rest to people and crops.

Shared tract.All of Malaga Township’s 1,038 residents (2020 census) live in one census tract, which it shares with Sunsbury township (1,267 residents) and Seneca township (444 residents) and Beallsville village (355 residents) and Jerusalem village (121 residents) and Miltonsburg village (42 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Malaga Township flood? Sometimes: 35 flood claims since 1998

Every paid claim on a federal flood insurance policy in Malaga Township, from FEMA’s records: 87.1 per 1,000 homes, more than 95% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1998: 13 claims1999: 0 claims2000: 0 claims2001: 1 claim2002: 0 claims2003: 0 claims2004: 19 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 1 claim2012: 0 claims2013: 1 claim2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199820012004
19982026
Biggest named events
  • Tropical Storm Ivan11 claims · $265K
35
paid claims since 1998
$540K
paid to owners
0
homes flooded more than once
$15K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Malaga 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: Monroe County.
Disasters

2 federal disasters brought FEMA money to Malaga Township

Disasters that paid out in Malaga Township itself (aid to households or repair grants to Malaga Township), newest first, with that year’s flood claims.

  1. 2018Severe Storms, Landslides, and Mudslides$9K to Malaga Township for repairs
  2. 2003Severe Winter Storm and Record/near Record Snow$17K to Malaga Township for repairs
Disasters declared, by decade
Paid out in Malaga TownshipMonroe County only

Monroe County has had 18 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.

Were you here?

Old photos of Malaga Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Malaga Township archive →
Next door

Malaga Township and its neighbors

Malaga Township is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Center Township: hazard risk ASeneca Township: not gradedSomerset Township: hazard risk DSummit Township: not gradedWayne Township: not gradedSunsbury Township: hazard risk B+Center TownshipSeneca TownshipSomerset TownshipSummit TownshipWayne TownshipSunsbury TownshipMalaga Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Center TownshipAless damage than 89%river and rain flooding5
Sunsbury TownshipB+less damage than 70%river and rain flooding—
Malaga TownshipB+less damage than 70%river and rain flooding35
Somerset TownshipDmore damage than 90%river and rain flooding—
Seneca Township—401 residents; we grade 1,000+
Summit Township—614 residents; we grade 1,000+
Wayne Township—458 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.

Be ready

Get ready for what Malaga 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.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Malaga Township

Is Malaga Township at risk for natural disasters?

On FEMA’s National Risk Index, Malaga Township has lower expected damage per building than 70% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (86%). 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 Malaga Township flood?

Flood insurance has paid 35 claims in Malaga Township since 1998, $540K in all, or 87.1 per 1,000 homes, more than 95% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (11).

Is Malaga 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 Monroe County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Malaga Township?

FEMA’s Community Rating System list shows no discount for Malaga 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 Malaga Township?

By FEMA money that reached Malaga Township, Severe Winter Storm and Record/near Record Snow (2003): $17K to Malaga Township for repairs. By flood claims, Tropical Storm Ivan: 11 paid, $265K.

Is Malaga Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (86%), and Malaga Township’s rate for it is higher than 55% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Malaga Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Malaga 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.