Photo: Nyttend · Public domainFEMA expects about as much hazard damage per building in Oliver Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Oliver Township gets a B for hazard risk: lower expected damage per building than 55% of U.S. towns. Most of that expected damage is river and rain flooding (82%). FEMA’s files show no paid flood insurance claims here.
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 Oliver 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
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 Oliver Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Oliver Township, and Oliver Township’s rate of river and rain flooding damage is higher than 63% of U.S. census tracts. Next is tornadoes at 8% (higher than 68% of U.S. census tracts).
B lower expected damage per building than 55% of U.S. towns (21,298).
All of Oliver Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $539K a year in losses across Oliver Township: $434K to buildings, the rest to people and crops.
Does Oliver Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Oliver Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Oliver 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: Adams County.3 federal disasters brought FEMA money to Oliver Township
Disasters that paid out in Oliver Township itself (aid to households or repair grants to Oliver Township), newest first, with that year’s flood claims.
- 2018Severe Storms, Landslides, and Mudslides$147K to Oliver Township for repairs
- 2003Tornadoes, Flooding, Severe Storms, and High Winds$14K to Oliver Township for repairs
- 2003Severe Winter Storm and Record/near Record Snow$28K to Oliver Township for repairs
Adams County has had 15 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 Oliver Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Oliver Township archive →Oliver Township and its neighbors
Oliver Township is 4th 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 |
|---|---|---|---|
| Scott Township | A−less damage than 80% | river and rain flooding | — |
| Tiffin Township | B+less damage than 74% | river and rain flooding | — |
| Meigs Township | B+less damage than 73% | river and rain flooding | — |
| Oliver Township | Bless damage than 55% | river and rain flooding | 0 |
| Wayne Township | B−less damage than 50% | river and rain flooding | — |
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 Oliver 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.
- 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 Oliver Township
Is Oliver Township at risk for natural disasters?
On FEMA’s National Risk Index, Oliver Township has lower expected damage per building than 55% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (82%) and tornadoes (8%). 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 Oliver 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 Adams County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Oliver Township?
FEMA’s Community Rating System list shows no discount for Oliver 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 Oliver Township?
By FEMA money that reached Oliver Township, Severe Storms, Landslides, and Mudslides (2018): $147K to Oliver Township for repairs.
Is Oliver Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Oliver Township’s rate for it is higher than 63% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Oliver Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Oliver 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.