Stonelick Covered Bridge · Photo: Deron Meranda · CC BY-SA 3.0Less hazard damage per building is expected in Stonelick Township than in 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Stonelick Township gets an A for hazard risk: lower expected damage per building than 88% of U.S. towns, #298 of 993 in Ohio. Most of that expected damage is river and rain flooding (76%), then tornadoes (11%). Flood insurance has paid 5 claims here since 1980.
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 Stonelick 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
Earthquakes
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 Stonelick Township’s grade
River and rain flooding is 76% of the building damage FEMA expects in Stonelick Township, and Stonelick Township’s rate of river and rain flooding damage is lower than 73% of U.S. census tracts. Next is tornadoes at 11% (higher than 67% of U.S. census tracts).
A #298 of 993 in Ohio; lower expected damage per building than 88% of U.S. towns (21,298).
All of Stonelick 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, Stonelick Township has less expected damage per building than 70% of Ohio towns.
In dollars, FEMA expects about $1.2M a year in losses across Stonelick Township: $780K to buildings, the rest to people and crops.
Does Stonelick Township flood? Rarely: 5 flood claims since 1980
Every paid claim on a federal flood insurance policy in Stonelick Township, from FEMA’s records: 2.3 per 1,000 homes, fewer than 58% of the 13,809 U.S. towns with a flood insurance record.
Stonelick 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: Clermont County.1 federal disaster brought FEMA money to Stonelick Township
Disasters that paid out in Stonelick Township itself (aid to households or repair grants to Stonelick Township), newest first, with that year’s flood claims.
- 2001Severe Storms and Flooding$10K to Stonelick Township for repairs1 flood claim paid that year
Clermont County has had 16 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 Stonelick Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stonelick Township archive →Stonelick Township and its neighbors
Stonelick Township is 3rd 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 |
|---|---|---|---|
| Union Township | A+less damage than 97% | river and rain flooding | 8 |
| Batavia Township | A+less damage than 96% | river and rain flooding | 11 |
| Stonelick Township | Aless damage than 88% | river and rain flooding | 5 |
| Miami Township | Aless damage than 87% | river and rain flooding | 28 |
| Goshen Township | A−less damage than 77% | river and rain flooding | 2 |
| Jackson Township | B+less damage than 69% | river and rain flooding | — |
| Wayne Township | B+less damage than 66% | river and rain flooding | 3 |
| Owensville | — | 620 residents; we grade 1,000+ | |
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 Stonelick 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Stonelick Township
Is Stonelick Township at risk for natural disasters?
On FEMA’s National Risk Index, Stonelick Township has lower expected damage per building than 88% of U.S. towns: A for hazard risk, #298 of 993 in Ohio. Most of the expected damage is river and rain flooding (76%) and tornadoes (11%). 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 Stonelick Township flood?
Flood insurance has paid 5 claims in Stonelick Township since 1980, $19K in all, or 2.3 per 1,000 homes, fewer than 58% of U.S. towns with a flood insurance record.
Is Stonelick 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 Clermont County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Stonelick Township?
FEMA’s Community Rating System list shows no discount for Stonelick 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 Stonelick Township?
By FEMA money that reached Stonelick Township, Severe Storms and Flooding (2001): $10K to Stonelick Township for repairs.
Is Stonelick Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Stonelick Township’s rate for it is lower than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stonelick Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stonelick 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.