Photo: Sanfranman59 · CC BY-SA 3.0Less hazard damage per building is expected in Navarre than in 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Navarre gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (79%). Flood insurance has paid 3 claims here since 1979.
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 Navarre 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
Hail
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 Navarre’s grade
River and rain flooding is 79% of the building damage FEMA expects in Navarre, and Navarre’s rate of river and rain flooding damage is lower than 67% of U.S. census tracts. Next is hail at 9% (higher than 86% of U.S. census tracts).
A lower expected damage per building than 86% of U.S. towns (21,298).
Navarre’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $584K a year in losses across Navarre: $520K to buildings, the rest to people and crops.
Does Navarre flood? Rarely: 3 flood claims since 1979
Every paid claim on a federal flood insurance policy in Navarre, from FEMA’s records: 3.2 per 1,000 homes, fewer than 50% of the 13,809 U.S. towns with a flood insurance record.
Navarre isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Stark County.4 federal disasters brought FEMA money to Navarre
Disasters that paid out in Navarre itself (aid to households or repair grants to the Village of Navarre), newest first, with that year’s flood claims.
- 2006Severe Storms, Tornadoes, Straight Line Winds, and Flooding58 households applied for aid$23K aid approved
- 2004Severe Winter Storms, Flooding, and Mudslides5 households applied for aid$16K aid approved
- 2004Severe Storms and Flooding8 households applied for aid$6K aid approved
- 2003Tornadoes, Flooding, Severe Storms, and High Winds2 households applied for aid$2K aid approved
Stark County has had 9 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 Navarre after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Navarre archive →Navarre and its neighbors
Navarre has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Navarre | Aless damage than 86% | river and rain flooding | 3 |
| Massillon | A−less damage than 80% | river and rain flooding | 13 |
| Bethlehem Township | A−less damage than 79% | 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 Navarre 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.
- 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.
- 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 Navarre
Is Navarre at risk for natural disasters?
On FEMA’s National Risk Index, Navarre has lower expected damage per building than 86% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (79%) and hail (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Navarre flood?
Flood insurance has paid 3 claims in Navarre since 1979, $12K in all, or 3.2 per 1,000 homes, fewer than 50% of U.S. towns with a flood insurance record.
Is Navarre 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 Stark County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Navarre?
FEMA’s Community Rating System list shows no discount for Navarre’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 Navarre?
By FEMA money that reached Navarre, Severe Storms, Tornadoes, Straight Line Winds, and Flooding (2006): 58 households applied for aid, $23K approved.
Is Navarre at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Navarre’s rate for it is lower than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Navarre.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Navarre’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.