On FEMA’s figures, Millwood Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Millwood Township gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (90%). FEMA’s files show no paid flood insurance claims here.
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 Millwood 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 Millwood Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in Millwood Township, and Millwood Township’s rate of river and rain flooding damage is higher than 66% of U.S. census tracts.
B lower expected damage per building than 58% of U.S. towns (21,298).
Millwood Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $397K a year in losses across Millwood Township: $345K to buildings, the rest to people and crops.
Does Millwood Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Millwood Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Millwood 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: Guernsey County.3 federal disasters brought FEMA money to Millwood Township
Disasters that paid out in Millwood Township itself (aid to households or repair grants to Millwood Township), newest first, with that year’s flood claims.
- 2019Severe Storms, Flooding, and Landslides$395K to Millwood Township for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides$52K to Millwood Township for repairs
- 2003Severe Winter Storm and Record/near Record Snow$2K to Millwood Township for repairs
Guernsey County has had 13 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 Millwood Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Millwood Township archive →Millwood Township and its neighbors
Millwood Township is 4th 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 |
|---|---|---|---|
| Warren Township | A+less damage than 98% | river and rain flooding | — |
| Wills Township | Aless damage than 88% | river and rain flooding | — |
| Richland Township | A−less damage than 80% | river and rain flooding | 23 |
| Millwood Township | Bless damage than 58% | river and rain flooding | 0 |
| Beaver Township | — | 700 residents; we grade 1,000+ | |
| Oxford Township | — | 557 residents; we grade 1,000+ | |
| Wayne Township | — | 444 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.
Get ready for what Millwood 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 Millwood Township
Is Millwood Township at risk for natural disasters?
On FEMA’s National Risk Index, Millwood Township has lower expected damage per building than 58% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (90%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Millwood 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 Guernsey County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Millwood Township?
FEMA’s Community Rating System list shows no discount for Millwood 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 Millwood Township?
By FEMA money that reached Millwood Township, Severe Storms, Flooding, and Landslides (2019): $395K to Millwood Township for repairs.
Is Millwood Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Millwood Township’s rate for it is higher than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Millwood Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Millwood 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.