Guest, Sign inJoin

Post to North Township

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
Harrison Fractionating Plant, Scio, OhioPhoto: Roseohioresident · CC BY-SA 4.0
B+Hazard risk
Natural hazards in North Township · FEMA

Less hazard damage per building is expected in North Township than in 68% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, North Township gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 21 claims here since 1979.

River and rain flooding 87%Hail 4%Tornadoes 4%

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 68%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 68% of U.S. towns
Main hazard
River and rain flooding
87% of expected building damage
Flood claims
21
paid since 1979 · $152K
Disasters paid out here
4
of 14 declared for Harrison County

What stands out about North Township’s natural hazards

From FEMA’s model and FEMA’s records, below.

Lower expected damage than 68% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Remembers 19816 flood claims were paid for 1981 alone, the most of any year.
By hazard

What North 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

87%of expected building damage
About average · higher than 57% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Hail Tornadoes Strong wind Earthquakes Hurricanes Ice storms Wildfire Winter storms Lightning Landslides Cold waves Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts strong wind at 17% of North Township’s expected losses. Strong wind does little damage to buildings (3.4%), so they aren’t part of the grade.

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 North Township’s grade

River and rain flooding is 87% of the building damage FEMA expects in North Township, and North Township’s rate of river and rain flooding damage is higher than 57% of U.S. census tracts.

Where North Township sits
North Township
Least damageMiddleMost damage

B+ lower expected damage per building than 68% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding87%Hail4%Tornadoes4%Everything else5%

In dollars, FEMA expects about $479K a year in losses across North Township: $343K to buildings, the rest to people and crops.

Shared tract.All of North Township’s 1,562 residents (2020 census) live in one census tract, which it shares with Scio village (673 residents) and Bowerston village (356 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 North Township flood? Sometimes: 21 flood claims since 1979

Every paid claim on a federal flood insurance policy in North Township, from FEMA’s records: 33.8 per 1,000 homes, more than 89% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 2 claims1980: 4 claims1981: 6 claims1982: 0 claims1983: 1 claim1984: 0 claims1985: 1 claim1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 6 claims2005: 1 claim2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims198019812004
19792026
Biggest named events
  • Tropical Storm Ivan1 claim · $928
21
paid claims since 1979
$152K
paid to owners
0
homes flooded more than once
$7K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

North 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: Harrison County.
Disasters

4 federal disasters brought FEMA money to North Township

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

  1. 2004Severe Winter Storms, Flooding, and Mudslides$23K to North Township for repairs
  2. 2004Severe Storms and Flooding$17K to North Township for repairs
  3. 2004Severe Storms, Flooding, Mudslides, and Landslides$21K to North Township for repairs
  4. 2003Severe Winter Storm and Record/near Record Snow$3K to North Township for repairs
Disasters declared, by decade
Paid out in North TownshipHarrison County only

Harrison County has had 14 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 North Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the North Township archive →
Next door

North Township and its neighbors

North Township has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.

Perry Township: not gradedMonroe Township: hazard risk B+Stock Township: not gradedRumley Township: hazard risk B+Archer Township: not gradedPerry TownshipMonroe TownshipStock TownshipRumley TownshipArcher TownshipNorth Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
North TownshipB+less damage than 68%river and rain flooding21
Rumley TownshipB+less damage than 67%river and rain flooding—
Monroe TownshipB+less damage than 67%river and rain flooding—
Perry Township—767 residents; we grade 1,000+
Stock Township—433 residents; we grade 1,000+
Archer Township—227 residents; we grade 1,000+

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 North 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 ↗
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 North Township

Is North Township at risk for natural disasters?

On FEMA’s National Risk Index, North Township has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (87%). 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 North Township flood?

Flood insurance has paid 21 claims in North Township since 1979, $152K in all, or 33.8 per 1,000 homes, more than 89% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (1).

Is North 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 Harrison County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in North Township?

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

By FEMA money that reached North Township, Severe Winter Storms, Flooding, and Mudslides (2004): $23K to North Township for repairs. By flood claims, Tropical Storm Ivan: 1 paid, $928.

Is North Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (87%), and North Township’s rate for it is higher than 57% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in North Township.

Town Square →
Start the conversation

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