Photo: Nyttend · Public domainFEMA puts Springfield Township’s expected hazard damage per building below that of 64% of U.S. towns, 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 64% of U.S. towns, #686 of 993 in Ohio. Most of that expected damage is river and rain flooding (68%), then tornadoes (17%). Flood insurance has paid 1 claim here since 1998.
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
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 Springfield Township’s grade
River and rain flooding is 68% of the building damage FEMA expects in Springfield Township, and Springfield Township’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Tornadoes add 17%, at a rate in the top 8% of U.S. census tracts.
B #686 of 993 in Ohio; lower expected damage per building than 64% of U.S. towns (21,298).
All of Springfield 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, Springfield Township has more expected damage per building than 69% of Ohio towns.
In dollars, FEMA expects about $941K a year in losses across Springfield Township: $671K to buildings, the rest to people and crops.
Does Springfield Township flood? Rarely: 1 flood claim since 1998
Every paid claim on a federal flood insurance policy in Springfield Township, from FEMA’s records: 0.9 per 1,000 homes, fewer than 79% of the 13,809 U.S. towns with a flood insurance record.
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: Williams County.The storms Springfield Township remembers
None of the 5 disasters declared for Williams County shows FEMA aid or repair money reaching Springfield Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19981 flood claims paidNo declaration for the county that year
Williams County has had 5 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.
Old photos of Springfield Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Springfield Township archive →Springfield Township and its neighbors
Springfield Township is 5th 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 |
|---|---|---|---|
| German Township | Aless damage than 89% | river and rain flooding | — |
| Brady Township | A−less damage than 81% | river and rain flooding | — |
| Pulaski Township | B+less damage than 73% | river and rain flooding | — |
| Stryker | Bless damage than 64% | river and rain flooding | — |
| Springfield Township | Bless damage than 64% | river and rain flooding | 1 |
| Tiffin Township | B−less damage than 52% | river and rain flooding | — |
| Ridgeville Township | C−more damage than 76% | 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.
- 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 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 64% of U.S. towns: B for hazard risk, #686 of 993 in Ohio. Most of the expected damage is river and rain flooding (68%) and tornadoes (17%). 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 Springfield Township flood?
Flood insurance has paid 1 claim in Springfield Township since 1998, $3K in all, or 0.9 per 1,000 homes, fewer than 79% of U.S. towns with a flood insurance record.
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 Williams County, 0.2% of all homes carry federal flood insurance.
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 (68%), and Springfield Township’s rate for it is lower than 58% 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.