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West Main StreetPhoto: SCSCC · CC BY-SA 4.0
–Not graded
Natural hazards in Rarden · FEMA

Storms, floods and disasters in Rarden

Rarden isn’t graded for hazard risk: Rarden has 172 residents; we grade towns of 1,000 or more. Flood insurance has paid 4 claims here since 1997.

Flood claims
4
paid since 1997 · $81K
Disasters paid out here
1
of 15 declared for Scioto County
By hazard

What Rarden 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

93%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Tornadoes Strong wind Earthquakes Hail Ice storms Hurricanes Winter storms Landslides top 5% Lightning Wildfire 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 heat waves at 12% of Rarden’s expected losses. Heat waves do little damage to buildings (0.0%), 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.
Flood insurance claims

Does Rarden flood? Rarely: 4 flood claims since 1997

Every paid claim on a federal flood insurance policy in Rarden, from FEMA’s records.

Paid flood claims, by year
1997: 2 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 2 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 claims19972010
19972026
4
paid claims since 1997
$81K
paid to owners
0
homes flooded more than once
$20K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Scioto County.
What’s been done with FEMA grants
6flood-prone properties bought out and cleared
Disasters

1 federal disaster brought FEMA money to Rarden

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

  1. 2004Severe Winter Storms, Flooding, and Mudslides$2K to the Village of Rarden for repairs
Disasters declared, by decade
Paid out in RardenScioto County only

Scioto 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.

Were you here?

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

Add to the Rarden archive →
Be ready

Get ready for what Rarden 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 Rarden

Does Rarden flood?

Flood insurance has paid 4 claims in Rarden since 1997, $81K in all.

Is Rarden 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 Scioto County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.

How much is flood insurance in Rarden?

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

By FEMA money that reached Rarden, Severe Winter Storms, Flooding, and Mudslides (2004): $2K to the Village of Rarden for repairs.

Storm stories

Memories, warnings and help from neighbors in Rarden.

Town Square →
Start the conversation

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