Photo: Nyttend · Public domainOn FEMA’s figures, Moraine faces more hazard damage per building than 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Moraine gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns, #899 of 993 in Ohio. Most of that expected damage is river and rain flooding (88%). Flood insurance has paid 3 claims here since 1989.
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 Moraine 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 Moraine’s grade
River and rain flooding is 88% of the building damage FEMA expects in Moraine, and Moraine’s rate of river and rain flooding damage is higher than 82% of U.S. census tracts.
C #899 of 993 in Ohio; higher expected damage per building than 66% of U.S. towns (21,298).
Moraine’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, Moraine has more expected damage per building than 91% of Ohio towns.
In dollars, FEMA expects about $3.1M a year in losses across Moraine: $2.7M to buildings, the rest to people and crops.
Does Moraine flood? Rarely: 3 flood claims since 1989
Every paid claim on a federal flood insurance policy in Moraine, from FEMA’s records: 1.0 per 1,000 homes, fewer than 79% of the 13,809 U.S. towns with a flood insurance record.
Moraine isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.4 federal disasters brought FEMA money to Moraine
Disasters that paid out in Moraine itself (aid to households or repair grants to the City of Moraine), newest first, with that year’s flood claims.
- 2008Severe Wind Storm Associated with Tropical Depression Ike$147K to the City of Moraine for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides$150K to the City of Moraine for repairs
- 2004Snow$31K to the City of Moraine for repairs
- 2003Severe Winter Storm and Record/near Record Snow$42K to the City of Moraine for repairs
Montgomery 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 Moraine after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Moraine archive →Moraine and its neighbors
Moraine is 6th of the 6 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 |
|---|---|---|---|
| Kettering | Aless damage than 92% | river and rain flooding | 26 |
| Jefferson Township | A−less damage than 85% | river and rain flooding | 6 |
| West Carrollton | A−less damage than 78% | river and rain flooding | 13 |
| Miami Township | A−less damage than 78% | river and rain flooding | 8 |
| Dayton | Bless damage than 60% | river and rain flooding | 24 |
| Moraine | Cmore damage than 66% | river and rain flooding | 3 |
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 Moraine 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 Moraine
Is Moraine at risk for natural disasters?
On FEMA’s National Risk Index, Moraine has higher expected damage per building than 66% of U.S. towns: C for hazard risk, #899 of 993 in Ohio. Most of the expected damage is river and rain flooding (88%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Moraine flood?
Flood insurance has paid 3 claims in Moraine since 1989, $11K in all, or 1.0 per 1,000 homes, fewer than 79% of U.S. towns with a flood insurance record.
Is Moraine 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 Montgomery County, 25% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Moraine?
FEMA’s Community Rating System list shows no discount for Moraine’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 Moraine?
By FEMA money that reached Moraine, Severe Winter Storms, Flooding, and Mudslides (2004): $150K to the City of Moraine for repairs.
Is Moraine at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (88%), and Moraine’s rate for it is higher than 82% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Moraine.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Moraine’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.