Photo: Nyttend · Public domainLess hazard damage per building is expected in Monroe Township than in 85% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Monroe Township gets an A for hazard risk: lower expected damage per building than 85% of U.S. towns, #369 of 993 in Ohio. Most of that expected damage is river and rain flooding (70%), then tornadoes (15%). Flood insurance has paid 7 claims here since 2014.
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 Monroe 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
Earthquakes
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 Monroe Township’s grade
River and rain flooding is 70% of the building damage FEMA expects in Monroe Township, and Monroe Township’s rate of river and rain flooding damage is lower than 74% of U.S. census tracts. Next is tornadoes at 15% (higher than 76% of U.S. census tracts).
A #369 of 993 in Ohio; lower expected damage per building than 85% of U.S. towns (21,298).
Monroe Township’s residents live in 4 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, Monroe Township has less expected damage per building than 63% of Ohio towns.
In dollars, FEMA expects about $3.8M a year in losses across Monroe Township: $3.1M to buildings, the rest to people and crops.
Does Monroe Township flood? Rarely: 7 flood claims since 2014
Every paid claim on a federal flood insurance policy in Monroe Township, from FEMA’s records: 1.0 per 1,000 homes, fewer than 78% of the 13,809 U.S. towns with a flood insurance record.
Monroe 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: Miami County.The storms Monroe Township remembers
None of the 11 disasters declared for Miami County shows FEMA aid or repair money reaching Monroe Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20146 flood claims paidNo declaration for the county that year
- 20171 flood claims paidNo declaration for the county that year
Miami County has had 11 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 Monroe Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Monroe Township archive →Monroe Township and its neighbors
Monroe Township is 6th of the 9 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 |
|---|---|---|---|
| Vandalia | A+less damage than 96% | river and rain flooding | — |
| Butler Township | A+less damage than 95% | river and rain flooding | 22 |
| Union | Aless damage than 94% | river and rain flooding | 1 |
| Union Township | Aless damage than 86% | river and rain flooding | 3 |
| Bethel Township | Aless damage than 85% | river and rain flooding | 3 |
| Monroe Township | Aless damage than 85% | river and rain flooding | 7 |
| Tipp City | A−less damage than 84% | river and rain flooding | 6 |
| Concord Township | Bless damage than 61% | river and rain flooding | 25 |
| Staunton Township | Bless damage than 59% | river and rain flooding | 16 |
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 Monroe 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Monroe Township
Is Monroe Township at risk for natural disasters?
On FEMA’s National Risk Index, Monroe Township has lower expected damage per building than 85% of U.S. towns: A for hazard risk, #369 of 993 in Ohio. Most of the expected damage is river and rain flooding (70%) and tornadoes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Monroe Township flood?
Flood insurance has paid 7 claims in Monroe Township since 2014, $100K in all, or 1.0 per 1,000 homes, fewer than 78% of U.S. towns with a flood insurance record.
Is Monroe 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 Miami County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Monroe Township?
FEMA’s Community Rating System list shows no discount for Monroe Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Monroe Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Monroe Township’s rate for it is lower than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Monroe Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Monroe 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.