Photo: Nyttend · Public domainFEMA expects about as much hazard damage per building in Miami Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Miami Township gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns, #840 of 993 in Ohio. Most of that expected damage is river and rain flooding (79%), then tornadoes (16%). Flood insurance has paid 51 claims here since 1978.
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 Miami Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Miami 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 Miami Township’s grade
River and rain flooding is 79% of the building damage FEMA expects in Miami Township, and Miami Township’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Tornadoes add 16%, at a rate in the top 5% of U.S. census tracts.
B− #840 of 993 in Ohio; higher expected damage per building than 53% of U.S. towns (21,298).
Miami Township’s residents live in 3 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, Miami Township has more expected damage per building than 85% of Ohio towns.
In dollars, FEMA expects about $5.4M a year in losses across Miami Township: $3.8M to buildings, the rest to people and crops.
Does Miami Township flood? Sometimes: 51 flood claims since 1978
Every paid claim on a federal flood insurance policy in Miami Township, from FEMA’s records: 8.4 per 1,000 homes, more than 71% of the 13,809 U.S. towns with a flood insurance record.
- The March storm6 claims · $91K
- The Central U.S. April Flooding3 claims · $16K
Miami 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: Hamilton County.The storms Miami Township remembers
None of the 16 disasters declared for Hamilton County shows FEMA aid or repair money reaching Miami Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20046 flood claims paidThe year of Snow, declared for Hamilton County
- 20086 flood claims paidThe year of Severe Wind Storm Associated with Tropical Depression Ike, declared for Hamilton County
- 20186 flood claims paidThe year of Severe Storms, Landslides, and Mudslides, declared for Hamilton County
Hamilton County has had 16 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.
Old photos of Miami Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Miami Township archive →Miami Township and its neighbors
Miami Township is 5th of the 7 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 |
|---|---|---|---|
| Mack | A−less damage than 82% | river and rain flooding | 7 |
| Cincinnati | A−less damage than 78% | river and rain flooding | 723 |
| Green Township | B+less damage than 74% | river and rain flooding | 29 |
| Dent | B−more damage than 51% | river and rain flooding | 8 |
| Miami Township | B−more damage than 53% | river and rain flooding | 51 |
| Whitewater Township | Cmore damage than 74% | river and rain flooding | 23 |
| Grandview | C−more damage than 77% | river and rain flooding | 26 |
| Shawnee | — | 739 residents; we grade 1,000+ | |
| Addyston | — | 904 residents; we grade 1,000+ | |
| Hooven | — | 403 residents; we grade 1,000+ | |
| North Bend | — | 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 Miami 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 Miami Township
Is Miami Township at risk for natural disasters?
On FEMA’s National Risk Index, Miami Township has higher expected damage per building than 53% of U.S. towns: B− for hazard risk, #840 of 993 in Ohio. Most of the expected damage is river and rain flooding (79%) and tornadoes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Miami Township flood?
Flood insurance has paid 51 claims in Miami Township since 1978, $400K in all, or 8.4 per 1,000 homes, more than 71% of U.S. towns with a flood insurance record. The most claims came from March storm (6).
Is Miami 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 Hamilton County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Miami Township?
FEMA’s Community Rating System list shows no discount for Miami 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 Miami Township?
By flood claims, March storm: 6 paid, $91K.
Is Miami Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Miami Township’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Miami Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Miami 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.