Seven Ranges Terminus · Photo: Nyttend · Public domainFEMA puts Sandy Township’s expected hazard damage per building below that of 90% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Sandy Township gets an A for hazard risk: lower expected damage per building than 90% of U.S. towns, #244 of 993 in Ohio. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 1 claim here since 2000.
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 Sandy 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
Hail
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 Sandy Township’s grade
River and rain flooding is 85% of the building damage FEMA expects in Sandy Township, and Sandy Township’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts. Next is hail at 6% (higher than 81% of U.S. census tracts).
A #244 of 993 in Ohio; lower expected damage per building than 90% of U.S. towns (21,298).
Sandy Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Sandy Township has less expected damage per building than 76% of Ohio towns.
In dollars, FEMA expects about $551K a year in losses across Sandy Township: $464K to buildings, the rest to people and crops.
Does Sandy Township flood? Rarely: 1 flood claim since 2000
Every paid claim on a federal flood insurance policy in Sandy Township, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.
Sandy 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: Tuscarawas County.The storms Sandy Township remembers
None of the 10 disasters declared for Tuscarawas County shows FEMA aid or repair money reaching Sandy Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20001 flood claims paidNo declaration for the county that year
Tuscarawas County has had 10 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.
Old photos of Sandy Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sandy Township archive →Sandy Township and its neighbors
Sandy Township is 2nd of the 7 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 |
|---|---|---|---|
| Fairfield Township | Aless damage than 92% | river and rain flooding | 6 |
| Sandy Township | Aless damage than 90% | river and rain flooding | 1 |
| Warren Township | Aless damage than 89% | river and rain flooding | — |
| Lawrence Township | A−less damage than 84% | river and rain flooding | 1 |
| Pike Township | A−less damage than 79% | river and rain flooding | 1 |
| Rose Township | A−less damage than 79% | river and rain flooding | — |
| Wilkshire Hills | B+less damage than 72% | river and rain flooding | — |
| Zoar | — | 220 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.
Get ready for what Sandy 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Sandy Township
Is Sandy Township at risk for natural disasters?
On FEMA’s National Risk Index, Sandy Township has lower expected damage per building than 90% of U.S. towns: A for hazard risk, #244 of 993 in Ohio. Most of the expected damage is river and rain flooding (85%) and hail (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Sandy Township flood?
Flood insurance has paid 1 claim in Sandy Township since 2000, $2K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record.
Is Sandy 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 Tuscarawas County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Sandy Township?
FEMA’s Community Rating System list shows no discount for Sandy Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Sandy Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Sandy Township’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sandy Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sandy 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.