Photo: Nyttend · Public domainMore hazard damage per building is expected in Milford Township than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Milford Township gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns, #905 of 993 in Ohio. Most of that expected damage is river and rain flooding (79%), then tornadoes (16%). Flood insurance has paid 16 claims here since 1982.
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 Milford 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 Milford Township’s grade
River and rain flooding is 79% of the building damage FEMA expects in Milford Township, and Milford Township’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts. Tornadoes add 16%, at a rate in the top 3% of U.S. census tracts.
C #905 of 993 in Ohio; higher expected damage per building than 67% of U.S. towns (21,298).
All of Milford Township’s residents live in one census tract; the figures are that tract’s.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Milford Township has more expected damage per building than 91% of Ohio towns.
In dollars, FEMA expects about $1.1M a year in losses across Milford Township: $763K to buildings, the rest to people and crops.
Does Milford Township flood? Sometimes: 16 flood claims since 1982
Every paid claim on a federal flood insurance policy in Milford Township, from FEMA’s records: 11.7 per 1,000 homes, more than 77% of the 13,809 U.S. towns with a flood insurance record.
Milford 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: Butler County.The storms Milford Township remembers
None of the 11 disasters declared for Butler County shows FEMA aid or repair money reaching Milford Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20039 flood claims paidNo declaration for the county that year
- 20015 flood claims paidThe year of Severe Storms and Flooding, declared for Butler County
- 19821 flood claims paidNo declaration for the county that year
Butler County has had 11 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 Milford Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Milford Township archive →Milford Township and its neighbors
Milford Township is 3rd of the 4 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 |
|---|---|---|---|
| Hanover Township | B+less damage than 65% | river and rain flooding | 6 |
| Wayne Township | Bless damage than 60% | river and rain flooding | 6 |
| Milford Township | Cmore damage than 67% | river and rain flooding | 16 |
| Somers Township | Cmore damage than 70% | river and rain flooding | 9 |
| Oxford Township | — | 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 Milford 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 Milford Township
Is Milford Township at risk for natural disasters?
On FEMA’s National Risk Index, Milford Township has higher expected damage per building than 67% of U.S. towns: C for hazard risk, #905 of 993 in Ohio. Most of the expected damage is river and rain flooding (79%) and tornadoes (16%). 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 Milford Township flood?
Flood insurance has paid 16 claims in Milford Township since 1982, $277K in all, or 11.7 per 1,000 homes, more than 77% of U.S. towns with a flood insurance record.
Is Milford 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 Butler County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Milford Township?
FEMA’s Community Rating System list shows no discount for Milford Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Milford Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Milford Township’s rate for it is higher than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Milford Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Milford 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.