Photo: Nyttend · Public domainFEMA expects less hazard damage per building in Moorefield Township than in 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Moorefield Township gets an A− for hazard risk: lower expected damage per building than 84% of U.S. towns, #402 of 993 in Ohio. Most of that expected damage is river and rain flooding (75%), then tornadoes (11%). Flood insurance has paid 2 claims here since 2003.
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 Moorefield 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 Moorefield Township’s grade
River and rain flooding is 75% of the building damage FEMA expects in Moorefield Township, and Moorefield Township’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts. Next is tornadoes at 11% (higher than 67% of U.S. census tracts).
A− #402 of 993 in Ohio; lower expected damage per building than 84% of U.S. towns (21,298).
Moorefield Township’s residents live in 6 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, Moorefield Township has less expected damage per building than 60% of Ohio towns.
In dollars, FEMA expects about $2.2M a year in losses across Moorefield Township: $1.7M to buildings, the rest to people and crops.
Does Moorefield Township flood? Rarely: 2 flood claims since 2003
Every paid claim on a federal flood insurance policy in Moorefield 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.
Moorefield 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: Clark County.The storms Moorefield Township remembers
None of the 7 disasters declared for Clark County shows FEMA aid or repair money reaching Moorefield Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20031 flood claims paidNo declaration for the county that year
- 20201 flood claims paidNo declaration for the county that year
Clark County has had 7 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 Moorefield Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Moorefield Township archive →Moorefield Township and its neighbors
Moorefield Township is 2nd 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 |
|---|---|---|---|
| Pleasant Township | A−less damage than 85% | river and rain flooding | 6 |
| Moorefield Township | A−less damage than 84% | river and rain flooding | 2 |
| Harmony Township | A−less damage than 83% | river and rain flooding | 10 |
| Northridge | A−less damage than 82% | river and rain flooding | — |
| German Township | A−less damage than 76% | river and rain flooding | 10 |
| Union Township | B+less damage than 72% | river and rain flooding | — |
| Urbana Township | B+less damage than 70% | river and rain flooding | 13 |
| Springfield Township | B+less damage than 66% | river and rain flooding | 11 |
| Springfield | Bless damage than 65% | river and rain flooding | 18 |
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 Moorefield 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 Moorefield Township
Is Moorefield Township at risk for natural disasters?
On FEMA’s National Risk Index, Moorefield Township has lower expected damage per building than 84% of U.S. towns: A− for hazard risk, #402 of 993 in Ohio. Most of the expected damage is river and rain flooding (75%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Moorefield Township flood?
Flood insurance has paid 2 claims in Moorefield Township since 2003, $512K in all, or 0.4 per 1,000 homes, fewer than 93% of U.S. towns with a flood insurance record.
Is Moorefield 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 Clark County, 22% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Moorefield Township?
FEMA’s Community Rating System list shows no discount for Moorefield Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Moorefield Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Moorefield Township’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Moorefield Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Moorefield 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.