Photo: SilentMatt Psychedelic · CC BY-SA 4.0Less hazard damage per building is expected in Southington Township than in 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Southington Township gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns, #352 of 993 in Ohio. Most of that expected damage is river and rain flooding (80%). Flood insurance has paid 3 claims here since 2003.
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 Southington 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
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 Southington Township’s grade
River and rain flooding is 80% of the building damage FEMA expects in Southington Township, and Southington Township’s rate of river and rain flooding damage is lower than 66% of U.S. census tracts. Next is tornadoes at 8% (higher than 59% of U.S. census tracts).
A #352 of 993 in Ohio; lower expected damage per building than 86% of U.S. towns (21,298).
All of Southington Township’s residents live in one census tract; the figures are that tract’s.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Southington Township has less expected damage per building than 65% of Ohio towns.
In dollars, FEMA expects about $856K a year in losses across Southington Township: $693K to buildings, the rest to people and crops.
Does Southington Township flood? Rarely: 3 flood claims since 2003
Every paid claim on a federal flood insurance policy in Southington Township, from FEMA’s records: 1.9 per 1,000 homes, fewer than 62% of the 13,809 U.S. towns with a flood insurance record.
Southington 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: Trumbull County.2 federal disasters brought FEMA money to Southington Township
Disasters that paid out in Southington Township itself (aid to households or repair grants to Southington Township), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding1 households applied for aid$5K aid approved
- 2003Tornadoes, Flooding, Severe Storms, and High Winds29 households applied for aid$76K aid approved$2K to Southington Township for repairs3 flood claims paid that year
Trumbull County has had 8 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 Southington Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Southington Township archive →Southington Township and its neighbors
Southington Township is 3rd of the 5 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 |
|---|---|---|---|
| Champion Township | A+less damage than 96% | river and rain flooding | 9 |
| Nelson Township | Aless damage than 89% | river and rain flooding | 3 |
| Southington Township | Aless damage than 86% | river and rain flooding | 3 |
| Farmington Township | A−less damage than 84% | river and rain flooding | 9 |
| Braceville Township | B−less damage than 51% | river and rain flooding | 28 |
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 Southington 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.
- 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 Southington Township
Is Southington Township at risk for natural disasters?
On FEMA’s National Risk Index, Southington Township has lower expected damage per building than 86% of U.S. towns: A for hazard risk, #352 of 993 in Ohio. Most of the expected damage is river and rain flooding (80%) and tornadoes (8%). 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.
Does Southington Township flood?
Flood insurance has paid 3 claims in Southington Township since 2003, $14K in all, or 1.9 per 1,000 homes, fewer than 62% of U.S. towns with a flood insurance record.
Is Southington 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 Trumbull County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Southington Township?
FEMA’s Community Rating System list shows no discount for Southington 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 Southington Township?
By FEMA money that reached Southington Township, Tornadoes, Flooding, Severe Storms, and High Winds (2003): 29 households applied for aid, $76K approved, and $2K to Southington Township for repairs.
Is Southington Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Southington Township’s rate for it is lower than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Southington Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Southington 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.