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B+Hazard risk
Natural hazards in Neave Township · FEMA

FEMA puts Neave Township’s expected hazard damage per building below that of 70% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Neave Township gets a B+ for hazard risk: lower expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (62%), then tornadoes (24%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 62%Tornadoes 24%Earthquakes 7%

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

less than 70%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Ohio · lower than 70% of U.S. towns
Main hazard
River and rain flooding
62% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 10 declared for Darke County
By hazard

What Neave 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

62%of expected building damage
Below average · lower than 69% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

24%of expected building damage
Well above average · in the top 3% of U.S. census tracts

Earthquakes

7%of expected building damage
Above average · higher than 67% of U.S. census tracts
Smaller shares here
 Hail Strong wind Ice storms Winter storms Hurricanes Lightning Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Neave Township’s grade

River and rain flooding is 62% of the building damage FEMA expects in Neave Township, and Neave Township’s rate of river and rain flooding damage is lower than 69% of U.S. census tracts. Tornadoes add 24%, at a rate in the top 3% of U.S. census tracts.

Where Neave Township sits
Neave Township
Least damageMiddleMost damage

B+ lower expected damage per building than 70% of U.S. towns (21,298).

All of Neave Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding62%Tornadoes24%Earthquakes7%Everything else6%

In dollars, FEMA expects about $807K a year in losses across Neave Township: $552K to buildings, the rest to people and crops.

Shared tract.All of Neave Township’s 2,198 residents (2020 census) live in one census tract, which it shares with Liberty township (986 residents) and Wayne Lakes village (693 residents) and Palestine village (180 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Neave Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Neave Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Neave 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: Darke County.
Disasters

3 federal disasters brought FEMA money to Neave Township

Disasters that paid out in Neave Township itself (aid to households or repair grants to Neave Township), newest first, with that year’s flood claims.

  1. 2004Severe Winter Storms, Flooding, and Mudslides$1K to Neave Township for repairs
  2. 2004Snow$2K to Neave Township for repairs
  3. 2003Severe Winter Storm and Record/near Record Snow$2K to Neave Township for repairs
Disasters declared, by decade
Paid out in Neave TownshipDarke County only

Darke 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.

Were you here?

Old photos of Neave Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Neave Township archive →
Next door

Neave Township and its neighbors

Neave Township is 2nd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Greenville Township: hazard risk BButler Township: hazard risk B+Van Buren Township: hazard risk B+Greenville TownshipButler TownshipVan Buren TownshipNeave Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Butler TownshipB+less damage than 73%river and rain flooding—
Neave TownshipB+less damage than 70%river and rain flooding0
Van Buren TownshipB+less damage than 65%river and rain flooding—
Greenville TownshipBless damage than 59%river and rain flooding10

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.

Be ready

Get ready for what Neave 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Neave Township

Is Neave Township at risk for natural disasters?

On FEMA’s National Risk Index, Neave Township has lower expected damage per building than 70% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (62%) and tornadoes (24%). 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.

Is Neave 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 Darke County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Neave Township?

FEMA’s Community Rating System list shows no discount for Neave Township’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 Neave Township?

By FEMA money that reached Neave Township, Snow (2004): $2K to Neave Township for repairs.

Is Neave Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (62%), and Neave Township’s rate for it is lower than 69% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Neave Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Neave 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.