Photo: Pjsham · CC BY-SA 3.0On FEMA’s figures, Miami Township faces less hazard damage per building than 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Miami Township gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns, #510 of 993 in Ohio. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 8 claims here since 1998.
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 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
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 85% of the building damage FEMA expects in Miami Township, and Miami Township’s rate of river and rain flooding damage is lower than 54% of U.S. census tracts.
A− #510 of 993 in Ohio; lower expected damage per building than 78% of U.S. towns (21,298).
Miami Township’s residents live in 14 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 51% of Ohio towns.
In dollars, FEMA expects about $12.0M a year in losses across Miami Township: $9.7M to buildings, the rest to people and crops.
Does Miami Township flood? Rarely: 8 flood claims since 1998
Every paid claim on a federal flood insurance policy in Miami Township, from FEMA’s records: 0.4 per 1,000 homes, fewer than 93% of the 13,809 U.S. towns with a flood insurance record.
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: Montgomery County.The storms Miami Township remembers
None of the 10 disasters declared for Montgomery County shows FEMA aid or repair money reaching Miami Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20022 flood claims paidNo declaration for the county that year
- 20082 flood claims paidThe year of Severe Wind Storm Associated with Tropical Depression Ike, declared for Montgomery County
- 19981 flood claims paidNo declaration for the county that year
Montgomery 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 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 11 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 |
|---|---|---|---|
| Washington Township | Aless damage than 93% | river and rain flooding | 15 |
| Kettering | Aless damage than 92% | river and rain flooding | 26 |
| Jefferson Township | A−less damage than 85% | river and rain flooding | 6 |
| West Carrollton | A−less damage than 78% | river and rain flooding | 13 |
| Miami Township | A−less damage than 78% | river and rain flooding | 8 |
| Springboro | B+less damage than 75% | river and rain flooding | 7 |
| Miamisburg | Bless damage than 65% | river and rain flooding | 5 |
| Franklin Township | C+more damage than 60% | river and rain flooding | 17 |
| Moraine | Cmore damage than 66% | river and rain flooding | 3 |
| German Township | C−more damage than 75% | river and rain flooding | 20 |
| Carlisle | C−more damage than 84% | river and rain flooding | 3 |
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.
- 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 lower expected damage per building than 78% of U.S. towns: A− for hazard risk, #510 of 993 in Ohio. Most of the expected damage is river and rain flooding (85%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Miami Township flood?
Flood insurance has paid 8 claims in Miami Township since 1998, $62K in all, or 0.4 per 1,000 homes, fewer than 93% of U.S. towns with a flood insurance record.
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 Montgomery County, 25% of homes in mapped flood zones carry federal flood insurance, and 0.5% 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.
Is Miami Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Miami Township’s rate for it is lower than 54% 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.