Photo: Myself · CC BY 2.5Storms, floods and disasters in Paulding Township
Paulding Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Paulding Township yet. Flood insurance has paid 4 claims here since 1982.
What Paulding 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
Hail
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.
Does Paulding Township flood? Rarely: 4 flood claims since 1982
Every paid claim on a federal flood insurance policy in Paulding Township, from FEMA’s records.
Paulding 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: Paulding County.The storms Paulding Township remembers
None of the 9 disasters declared for Paulding County shows FEMA aid or repair money reaching Paulding Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19821 flood claims paidThe year of Severe Storms and Flooding, declared for Paulding County
- 20151 flood claims paidNo declaration for the county that year
- 20171 flood claims paidNo declaration for the county that year
Paulding County has had 9 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 Paulding Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Paulding Township archive →Paulding Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Harrison Township | Bless damage than 63% | river and rain flooding | — |
| Paulding | Bless damage than 57% | river and rain flooding | 7 |
| Jackson Township | B−less damage than 53% | river and rain flooding | — |
| Crane Township | C+more damage than 57% | river and rain flooding | — |
| Blue Creek Township | — | 579 residents; we grade 1,000+ | |
| Emerald Township | — | 453 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.
Get ready for what Paulding 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.
- 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.
- 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 Paulding Township
Does Paulding Township flood?
Flood insurance has paid 4 claims in Paulding Township since 1982, $46K in all.
Is Paulding 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 Paulding County, 0.6% of all homes carry federal flood insurance.
How much is flood insurance in Paulding Township?
FEMA’s Community Rating System list shows no discount for Paulding Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Paulding Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Paulding 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.