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–Not graded
Natural hazards in Philo · FEMA

Storms, floods and disasters in Philo

Philo isn’t graded for hazard risk: Philo has 683 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 14 declared for Muskingum County
By hazard

What Philo 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

94%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Tornadoes Hail Ice storms Earthquakes Strong wind Winter storms Hurricanes Wildfire Cold waves Heat waves Landslides Lightning
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.
Flood insurance claims

Does Philo flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Philo. 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

Philo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Muskingum County.
Disasters

3 federal disasters brought FEMA money to Philo

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

  1. 2012Severe Storms and Straight-line Winds$12K to the Village of Philo for repairs
  2. 2004Severe Winter Storms, Flooding, and Mudslides9 households applied for aid$43K aid approved
  3. 2004Severe Storms and Flooding6 households applied for aid$21K aid approved
Disasters declared, by decade
Paid out in PhiloMuskingum County only

Muskingum County has had 14 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.

Were you here?

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

Add to the Philo archive →
Be ready

Get ready for what Philo 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 Philo

Is Philo 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 Muskingum County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Philo?

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

By FEMA money that reached Philo, Severe Winter Storms, Flooding, and Mudslides (2004): 9 households applied for aid, $43K approved.

Storm stories

Memories, warnings and help from neighbors in Philo.

Town Square →
Start the conversation

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