Photo: Mgeorge19 · CC BY-SA 4.0FEMA puts Marysville’s expected hazard damage per building below that of 61% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Marysville gets a B for hazard risk: lower expected damage per building than 61% of U.S. towns, #720 of 993 in Ohio. Most of that expected damage is river and rain flooding (76%), then tornadoes (10%). Flood insurance has paid 18 claims here since 1979.
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 stands out about Marysville’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Marysville 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 Marysville’s grade
River and rain flooding is 76% of the building damage FEMA expects in Marysville, and Marysville’s rate of river and rain flooding damage is higher than 54% of U.S. census tracts. Ice storms add 3%, at a rate in the top 7% of U.S. census tracts.
B #720 of 993 in Ohio; lower expected damage per building than 61% of U.S. towns (21,298).
Marysville’s residents live in 8 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, Marysville has more expected damage per building than 72% of Ohio towns.
In dollars, FEMA expects about $6.4M a year in losses across Marysville: $5.4M to buildings, the rest to people and crops.
Does Marysville flood? Sometimes: 18 flood claims since 1979
Every paid claim on a federal flood insurance policy in Marysville, from FEMA’s records: 1.7 per 1,000 homes, fewer than 65% of the 13,809 U.S. towns with a flood insurance record.
Marysville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Union County.5 federal disasters brought FEMA money to Marysville
Disasters that paid out in Marysville itself (aid to households or repair grants to the City of Marysville), newest first, with that year’s flood claims.
- 2024Tornadoes30 households applied for aid$10K aid approved
- 2008Severe Wind Storm Associated with Tropical Depression Ike$68K to the City of Marysville for repairs
- 2008Record Snow and Near Record Snow$39K to the City of Marysville for repairs
- 2004Snow$14K to the City of Marysville for repairs
- 2003Severe Winter Storm and Record/near Record Snow$13K to the City of Marysville for repairs1 flood claim paid that year
Union 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 Marysville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Marysville archive →Marysville and its neighbors
Marysville is 4th of the 6 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 |
|---|---|---|---|
| Millcreek Township | B+less damage than 71% | river and rain flooding | 2 |
| Dover Township | Bless damage than 64% | river and rain flooding | — |
| Paris Township | Bless damage than 62% | river and rain flooding | — |
| Marysville | Bless damage than 61% | river and rain flooding | 18 |
| Darby Township | B−more damage than 50% | river and rain flooding | — |
| Union Township | C+more damage than 64% | river and rain flooding | — |
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 Marysville 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 Marysville
Is Marysville at risk for natural disasters?
On FEMA’s National Risk Index, Marysville has lower expected damage per building than 61% of U.S. towns: B for hazard risk, #720 of 993 in Ohio. Most of the expected damage is river and rain flooding (76%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Marysville flood?
Flood insurance has paid 18 claims in Marysville since 1979, $102K in all, or 1.7 per 1,000 homes, fewer than 65% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Marysville 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 Union County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Marysville?
FEMA’s Community Rating System list shows no discount for Marysville’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 Marysville?
By FEMA money that reached Marysville, Severe Wind Storm Associated with Tropical Depression Ike (2008): $68K to the City of Marysville for repairs.
Is Marysville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Marysville’s rate for it is higher than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Marysville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Marysville’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.