Photo: Nyttend · Public domainLess hazard damage per building is expected in St. Albans Township than in 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, St. Albans Township gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns, #474 of 993 in Ohio. Most of that expected damage is river and rain flooding (77%), then hail (13%). 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 St. Albans 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 St. Albans Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in St. Albans Township, and St. Albans Township’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Hail adds 13%, at a rate in the top 10% of U.S. census tracts.
A− #474 of 993 in Ohio; lower expected damage per building than 80% of U.S. towns (21,298).
St. Albans 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, St. Albans Township has less expected damage per building than 52% of Ohio towns.
In dollars, FEMA expects about $706K a year in losses across St. Albans Township: $560K to buildings, the rest to people and crops.
Does St. Albans Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in St. Albans Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
St. Albans 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: Licking County.5 federal disasters brought FEMA money to St. Albans Township
Disasters that paid out in St. Albans Township itself (aid to households or repair grants to St. Albans Township), newest first, with that year’s flood claims.
- 2012Severe Storms and Straight-line Winds$12K to St. Albans Township for repairs
- 2008Severe Wind Storm Associated with Tropical Depression Ike$4K to St. Albans Township for repairs
- 2008Record Snow and Near Record Snow$3K to St. Albans Township for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides$15K to St. Albans Township for repairs
- 2003Severe Winter Storm and Record/near Record Snow$3K to St. Albans Township for repairs
Licking County has had 17 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 St. Albans Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the St. Albans Township archive →St. Albans Township and its neighbors
St. Albans Township is 4th 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 |
|---|---|---|---|
| Jersey Township | Aless damage than 95% | river and rain flooding | 1 |
| Granville South | Aless damage than 90% | river and rain flooding | — |
| Granville Township | A−less damage than 82% | river and rain flooding | — |
| St. Albans Township | A−less damage than 80% | river and rain flooding | 0 |
| Harrison Township | A−less damage than 78% | river and rain flooding | 2 |
| Liberty Township | B+less 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 St. Albans 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 St. Albans Township
Is St. Albans Township at risk for natural disasters?
On FEMA’s National Risk Index, St. Albans Township has lower expected damage per building than 80% of U.S. towns: A− for hazard risk, #474 of 993 in Ohio. Most of the expected damage is river and rain flooding (77%) and hail (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is St. Albans 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 Licking County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in St. Albans Township?
FEMA’s Community Rating System list shows no discount for St. Albans 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 St. Albans Township?
By FEMA money that reached St. Albans Township, Severe Winter Storms, Flooding, and Mudslides (2004): $15K to St. Albans Township for repairs.
Is St. Albans Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and St. Albans Township’s rate for it is lower than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in St. Albans Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where St. Albans 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.