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B+Hazard risk
Natural hazards in Rumley Township · FEMA

Less hazard damage per building is expected in Rumley Township than in 67% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Rumley Township gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns. Most of that expected damage is river and rain flooding (86%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 86%Hail 4%Tornadoes 4%

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

less than 67%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Ohio · lower than 67% of U.S. towns
Main hazard
River and rain flooding
86% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
6
of 14 declared for Harrison County
By hazard

What Rumley 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

86%of expected building damage
About average · higher than 57% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Hail Tornadoes Strong wind Earthquakes Hurricanes Ice storms Winter storms Lightning Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts strong wind at 17% of Rumley Township’s expected losses. Strong wind does little damage to buildings (3.4%), 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.
Hazard risk grade

What’s behind Rumley Township’s grade

River and rain flooding is 86% of the building damage FEMA expects in Rumley Township, and Rumley Township’s rate of river and rain flooding damage is higher than 57% of U.S. census tracts.

Where Rumley Township sits
Rumley Township
Least damageMiddleMost damage

B+ lower expected damage per building than 67% of U.S. towns (21,298).

Rumley Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding86%Hail4%Tornadoes4%Everything else6%

In dollars, FEMA expects about $365K a year in losses across Rumley Township: $226K to buildings, the rest to people and crops.

A small-area figure. Rumley Township covers 2 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Rumley Township flood? No paid flood claims on record

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

Rumley 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: Harrison County.
Disasters

6 federal disasters brought FEMA money to Rumley Township

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

  1. 2008Severe Wind Storm Associated with Tropical Depression Ike$7K to Rumley Township for repairs
  2. 2004Severe Winter Storms, Flooding, and Mudslides$53K to Rumley Township for repairs
  3. 2004Severe Storms and Flooding$35K to Rumley Township for repairs
  4. 2004Severe Storms and Flooding$59K to Rumley Township for repairs
  5. 2004Severe Storms, Flooding, Mudslides, and Landslides$113K to Rumley Township for repairs
  6. 2003Severe Winter Storm and Record/near Record Snow$2K to Rumley Township for repairs
Disasters declared, by decade
Paid out in Rumley TownshipHarrison County only

Harrison County has had 14 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Rumley Township archive →
Next door

Rumley Township and its neighbors

Rumley Township is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Archer Township: not gradedGerman Township: not gradedNorth Township: hazard risk B+Loudon Township: not gradedArcher TownshipGerman TownshipNorth TownshipLoudon TownshipRumley Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
North TownshipB+less damage than 68%river and rain flooding21
Rumley TownshipB+less damage than 67%river and rain flooding0
Archer Township—227 residents; we grade 1,000+
German Township—601 residents; we grade 1,000+
Loudon Township—726 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.

Be ready

Get ready for what Rumley 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.

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 Rumley Township

Is Rumley Township at risk for natural disasters?

On FEMA’s National Risk Index, Rumley Township has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (86%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Rumley 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 Harrison County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Rumley Township?

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

By FEMA money that reached Rumley Township, Severe Storms, Flooding, Mudslides, and Landslides (2004): $113K to Rumley Township for repairs.

Is Rumley Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (86%), and Rumley Township’s rate for it is higher than 57% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Rumley Township.

Town Square →
Start the conversation

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