Photo: Nyttend · Public domainFEMA expects more hazard damage per building in Ohio Township than in 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Ohio Township gets a D for hazard risk: higher expected damage per building than 87% of U.S. towns, #975 of 993 in Ohio State. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 303 claims here since 1978.
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 stands out about Ohio Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Ohio 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
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 Ohio Township’s grade
River and rain flooding is 93% of the building damage FEMA expects in Ohio Township, and Ohio Township’s rate of river and rain flooding damage is in the top 6% of U.S. census tracts.
D #975 of 993 in Ohio State; higher expected damage per building than 87% of U.S. towns (21,298).
All of Ohio Township’s residents live in one census tract; the figures are that tract’s.
The typical Ohio State town has lower expected damage than 79% of U.S. towns; within the state, Ohio Township has more expected damage per building than 98% of Ohio State towns.
In dollars, FEMA expects about $3.0M a year in losses across Ohio Township: $2.1M to buildings, the rest to people and crops.
Does Ohio Township flood? Yes: 303 flood claims since 1978
Every paid claim on a federal flood insurance policy in Ohio Township, from FEMA’s records: 132.7 per 1,000 homes, more than 97% of the 13,809 U.S. towns with a flood insurance record.
- The Central U.S. April Flooding10 claims · $345K
- The March storm1 claim · $5K
Ohio 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: Clermont County.The storms Ohio Township remembers
None of the 16 disasters declared for Clermont County shows FEMA aid or repair money reaching Ohio Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 1997196 flood claims paidThe year of Severe Storms and Flooding, declared for Clermont County
- 197933 flood claims paidNo declaration for the county that year
- 197823 flood claims paidThe year of Blizzards and Snowstorms, declared for Clermont County
Clermont County has had 16 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Ohio Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ohio Township archive →Ohio Township and its neighbors
Ohio Township is 5th of the 5 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 |
|---|---|---|---|
| Amelia | A+less damage than 97% | river and rain flooding | — |
| Pierce Township | Aless damage than 90% | river and rain flooding | 8 |
| Monroe Township | B+less damage than 67% | river and rain flooding | 33 |
| New Richmond | Dmore damage than 87% | river and rain flooding | 317 |
| Ohio Township | Dmore damage than 87% | river and rain flooding | 303 |
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 Ohio 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.
- 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 Ohio Township
Is Ohio Township at risk for natural disasters?
On FEMA’s National Risk Index, Ohio Township has higher expected damage per building than 87% of U.S. towns: D for hazard risk, #975 of 993 in Ohio State. Most of the expected damage is river and rain flooding (93%). 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 Ohio Township flood?
Flood insurance has paid 303 claims in Ohio Township since 1978, $5.3M in all, or 132.7 per 1,000 homes, more than 97% of U.S. towns with a flood insurance record. The most claims came from Central U.S. April Flooding (10).
Is Ohio 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 Clermont County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Ohio Township?
FEMA’s Community Rating System list shows no discount for Ohio 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 Ohio Township?
By flood claims, Central U.S. April Flooding: 10 paid, $345K.
Is Ohio Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Ohio Township’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ohio Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ohio 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.