Photo: Nyttend · Public domainOn FEMA’s figures, Rutland Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Rutland Township gets a C+ for hazard risk: higher expected damage per building than 59% of U.S. towns. Most of that expected damage is river and rain flooding (89%). 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 Rutland 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
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 Rutland Township’s grade
River and rain flooding is 89% of the building damage FEMA expects in Rutland Township, and Rutland Township’s rate of river and rain flooding damage is higher than 77% of U.S. census tracts. Ice storms add 2%, at a rate in the top 7% of U.S. census tracts.
C+ higher expected damage per building than 59% of U.S. towns (21,298).
Rutland Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $778K a year in losses across Rutland Township: $622K to buildings, the rest to people and crops.
Does Rutland Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Rutland Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Rutland 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: Meigs County.7 federal disasters brought FEMA money to Rutland Township
Disasters that paid out in Rutland Township itself (aid to households or repair grants to Rutland Township), newest first, with that year’s flood claims.
- 2019Severe Storms, Flooding, and Landslides$36K to Rutland Township for repairs
- 2018Severe Storms, Landslides, and Mudslides$49K to Rutland Township for repairs
- 2012Severe Storms and Straight-line Winds$9K to Rutland Township for repairs
- 2011Severe Storms and Flooding$43K to Rutland Township for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides$52K to Rutland Township for repairs
- 2004Severe Storms and Flooding$110K to Rutland Township for repairs
Show all 7
- 2003Severe Winter Storm and Record/near Record Snow$46K to Rutland Township for repairs
Meigs 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.
Old photos of Rutland Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Rutland Township archive →Rutland Township and its neighbors
Rutland Township is 2nd of the 4 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 |
|---|---|---|---|
| Scipio Township | B−more damage than 55% | river and rain flooding | — |
| Rutland Township | C+more damage than 59% | river and rain flooding | 0 |
| Morgan Township | C+more damage than 62% | river and rain flooding | — |
| Salisbury Township | Dmore damage than 93% | river and rain flooding | 29 |
| Salem Township | — | not graded yet | |
| Cheshire Township | — | not graded yet | |
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 Rutland 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.
- 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 Rutland Township
Is Rutland Township at risk for natural disasters?
On FEMA’s National Risk Index, Rutland Township has higher expected damage per building than 59% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (89%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Rutland 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 Meigs County, 6% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Rutland Township?
FEMA’s Community Rating System list shows no discount for Rutland 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 Rutland Township?
By FEMA money that reached Rutland Township, Severe Storms and Flooding (2004): $110K to Rutland Township for repairs.
Is Rutland Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (89%), and Rutland Township’s rate for it is higher than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Rutland Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rutland 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.