John Hosford House · Photo: Krootphotog · CC BY-SA 3.0On FEMA’s figures, Monroeville 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, Monroeville 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 (77%). Flood insurance has paid 2 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 Monroeville 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
Hail
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 Monroeville’s grade
River and rain flooding is 77% of the building damage FEMA expects in Monroeville, and Monroeville’s rate of river and rain flooding damage is higher than 57% of U.S. census tracts. Next is tornadoes at 10% (higher than 74% of U.S. census tracts).
B lower expected damage per building than 58% of U.S. towns (21,298).
All of Monroeville’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $506K a year in losses across Monroeville: $408K to buildings, the rest to people and crops.
Does Monroeville flood? Rarely: 2 flood claims since 1998
Every paid claim on a federal flood insurance policy in Monroeville, from FEMA’s records: 2.8 per 1,000 homes, fewer than 54% of the 13,809 U.S. towns with a flood insurance record.
Monroeville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Huron County.4 federal disasters brought FEMA money to Monroeville
Disasters that paid out in Monroeville itself (aid to households or repair grants to the Village of Monroeville), newest first, with that year’s flood claims.
- 2008Record Snow and Near Record Snow$4K to the Village of Monroeville for repairs
- 2006Severe Storms, Tornadoes, Straight Line Winds, and Flooding47 households applied for aid$71K aid approved1 flood claim paid that year
- 2004Severe Winter Storms, Flooding, and Mudslides2 households applied for aid$726 aid approved
- 2004Snow$3K to the Village of Monroeville for repairs
Huron 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 Monroeville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Monroeville archive →Get ready for what Monroeville 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Monroeville
Is Monroeville at risk for natural disasters?
On FEMA’s National Risk Index, Monroeville 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 (77%) and tornadoes (10%). 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 Monroeville flood?
Flood insurance has paid 2 claims in Monroeville since 1998, $8K in all, or 2.8 per 1,000 homes, fewer than 54% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Monroeville 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 Huron County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Monroeville?
FEMA’s Community Rating System list shows no discount for Monroeville’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 Monroeville?
By FEMA money that reached Monroeville, Severe Storms, Tornadoes, Straight Line Winds, and Flooding (2006): 47 households applied for aid, $71K approved.
Is Monroeville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Monroeville’s rate for it is higher than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Monroeville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Monroeville’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.