Wesley Chapel · Photo: dok1 · CC BY 2.0FEMA expects about as much hazard damage per building in Springfield Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Springfield Township gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns, #787 of 993 in Ohio. Most of that expected damage is river and rain flooding (85%). 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 Springfield 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 Springfield Township’s grade
River and rain flooding is 85% of the building damage FEMA expects in Springfield Township, and Springfield Township’s rate of river and rain flooding damage is higher than 68% of U.S. census tracts. Next is tornadoes at 6% (higher than 58% of U.S. census tracts).
B− #787 of 993 in Ohio; lower expected damage per building than 53% of U.S. towns (21,298).
Springfield Township’s residents live in 3 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, Springfield Township has more expected damage per building than 79% of Ohio towns.
In dollars, FEMA expects about $878K a year in losses across Springfield Township: $700K to buildings, the rest to people and crops.
Does Springfield Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Springfield Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Springfield 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: Ross County.The storms Springfield Township remembers
None of the 13 disasters declared for Ross County shows FEMA aid or repair money reaching Springfield Township itself in FEMA’s records, so these are its biggest flood-claim years.
Ross County has had 13 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.
Springfield Township and its neighbors
Springfield Township is 6th of the 8 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 |
|---|---|---|---|
| Union Township | Aless damage than 87% | river and rain flooding | 1 |
| Colerain Township | Aless damage than 85% | river and rain flooding | — |
| Green Township | A−less damage than 80% | river and rain flooding | 6 |
| Chillicothe | Bless damage than 64% | river and rain flooding | 11 |
| Scioto Township | Bless damage than 61% | river and rain flooding | 6 |
| Springfield Township | B−less damage than 53% | river and rain flooding | 0 |
| Harrison Township | B−less damage than 53% | river and rain flooding | 4 |
| Liberty Township | Cmore damage than 72% | river and rain flooding | — |
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 Springfield 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 Springfield Township
Is Springfield Township at risk for natural disasters?
On FEMA’s National Risk Index, Springfield Township has lower expected damage per building than 53% of U.S. towns: B− for hazard risk, #787 of 993 in Ohio. Most of the expected damage is river and rain flooding (85%) and tornadoes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Springfield 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 Ross County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Springfield Township?
FEMA’s Community Rating System list shows no discount for Springfield Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Springfield Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Springfield Township’s rate for it is higher than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Springfield Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Springfield 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.