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C+Hazard risk
Natural hazards in Saline Township · FEMA

FEMA puts Saline Township’s expected hazard damage per building above that of 65% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Saline Township gets a C+ for hazard risk: higher expected damage per building than 65% of U.S. towns. Most of that expected damage is river and rain flooding (92%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 92%Tornadoes 3%Hail 2%

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

more than 65%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C+
in Ohio · higher than 65% of U.S. towns
Main hazard
River and rain flooding
92% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
6
of 19 declared for Jefferson County
By hazard

What Saline 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

92%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Tornadoes Hail Strong wind Hurricanes Earthquakes Ice storms Wildfire Winter storms Landslides Lightning Cold waves Heat waves
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.
Hazard risk grade

What’s behind Saline Township’s grade

River and rain flooding is 92% of the building damage FEMA expects in Saline Township, and Saline Township’s rate of river and rain flooding damage is higher than 82% of U.S. census tracts.

Where Saline Township sits
Saline Township
Least damageMiddleMost damage

C+ higher expected damage per building than 65% of U.S. towns (21,298).

All of Saline Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding92%Everything else8%

In dollars, FEMA expects about $755K a year in losses across Saline Township: $714K to buildings, the rest to people and crops.

Shared tract.All of Saline Township’s 1,171 residents (2020 census) live in one census tract, which it shares with Brush Creek township (384 residents) and Irondale village (326 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Saline Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Saline 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

Saline 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: Jefferson County.
Disasters

6 federal disasters brought FEMA money to Saline Township

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

  1. 2018Severe Storms, Landslides, and Mudslides$17K to Saline Township for repairs
  2. 2011Severe Storms and Flooding$28K to Saline Township for repairs
  3. 2004Severe Winter Storms, Flooding, and Mudslides$53K to Saline Township for repairs
  4. 2004Severe Storms and Flooding$100K to Saline Township for repairs
  5. 2004Severe Storms and Flooding$5K to Saline Township for repairs
  6. 2004Severe Storms, Flooding, Mudslides, and Landslides$63K to Saline Township for repairs
Disasters declared, by decade
Paid out in Saline TownshipJefferson County only

Jefferson County has had 19 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 Saline Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Saline Township archive →
Next door

Saline Township and its neighbors

Saline Township is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Knox Township: hazard risk C−Yellow Creek Township: hazard risk B+Brush Creek Township: not gradedNew Cumberland: not gradedRoss Township: not gradedKnox TownshipYellow Creek TownshipBrush Creek TownshipNew CumberlandRoss TownshipSaline Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Yellow Creek TownshipB+less damage than 72%river and rain flooding—
Saline TownshipC+more damage than 65%river and rain flooding0
Knox TownshipC−more damage than 81%river and rain flooding22
Brush Creek Township—492 residents; we grade 1,000+
New Cumberland—943 residents; we grade 1,000+
Ross Township—521 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 Saline 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 Saline Township

Is Saline Township at risk for natural disasters?

On FEMA’s National Risk Index, Saline Township has higher expected damage per building than 65% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (92%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Saline 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 Jefferson County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Saline Township?

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

By FEMA money that reached Saline Township, Severe Storms and Flooding (2004): $100K to Saline Township for repairs.

Is Saline Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (92%), and Saline Township’s rate for it is higher than 82% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Saline Township.

Town Square →
Start the conversation

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