Photo: Petty Officer 2nd Class Levi Read · Public domainOn FEMA’s figures, Saybrook Township faces less hazard damage per building than 90% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Saybrook Township gets an A for hazard risk: lower expected damage per building than 90% of U.S. towns, #267 of 993 in Ohio. Most of that expected damage is river and rain flooding (78%). Flood insurance has paid 4 claims here since 1994.
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 Saybrook 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
Tornadoes
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 Saybrook Township’s grade
River and rain flooding is 78% of the building damage FEMA expects in Saybrook Township, and Saybrook Township’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Winter storms add 2%, at a rate in the top 5% of U.S. census tracts.
A #267 of 993 in Ohio; lower expected damage per building than 90% of U.S. towns (21,298).
Saybrook Township’s residents live in 8 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, Saybrook Township has less expected damage per building than 73% of Ohio towns.
In dollars, FEMA expects about $1.8M a year in losses across Saybrook Township: $1.5M to buildings, the rest to people and crops.
Does Saybrook Township flood? Rarely: 4 flood claims since 1994
Every paid claim on a federal flood insurance policy in Saybrook Township, from FEMA’s records: 0.7 per 1,000 homes, fewer than 84% of the 13,809 U.S. towns with a flood insurance record.
Saybrook 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: Ashtabula County.1 federal disaster brought FEMA money to Saybrook Township
Disasters that paid out in Saybrook Township itself (aid to households or repair grants to Saybrook Township), newest first, with that year’s flood claims.
- 2008Record Snow and Near Record Snow$11K to Saybrook Township for repairs
Ashtabula County has had 11 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 Saybrook Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Saybrook Township archive →Saybrook Township and its neighbors
Saybrook Township is 3rd of the 6 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 |
|---|---|---|---|
| Geneva Township | A+less damage than 95% | river and rain flooding | 15 |
| Saybrook-on-the-Lake | Aless damage than 94% | river and rain flooding | 2 |
| Saybrook Township | Aless damage than 90% | river and rain flooding | 4 |
| Ashtabula | Aless damage than 89% | river and rain flooding | 1 |
| Plymouth Township | Aless damage than 88% | river and rain flooding | 3 |
| Austinburg Township | A−less damage than 82% | river and rain flooding | — |
| Ashtabula 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 Saybrook 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Saybrook Township
Is Saybrook Township at risk for natural disasters?
On FEMA’s National Risk Index, Saybrook Township has lower expected damage per building than 90% of U.S. towns: A for hazard risk, #267 of 993 in Ohio. Most of the expected damage is river and rain flooding (78%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Saybrook Township flood?
Flood insurance has paid 4 claims in Saybrook Township since 1994, $20K in all, or 0.7 per 1,000 homes, fewer than 84% of U.S. towns with a flood insurance record.
Is Saybrook 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 Ashtabula County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Saybrook Township?
FEMA’s Community Rating System list shows no discount for Saybrook 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 Saybrook Township?
By FEMA money that reached Saybrook Township, Record Snow and Near Record Snow (2008): $11K to Saybrook Township for repairs.
Is Saybrook Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Saybrook Township’s rate for it is lower than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Saybrook Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Saybrook 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.