Photo: Nheyob · CC BY-SA 4.0FEMA expects more hazard damage per building in Taylor Creek than in 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Taylor Creek gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns, #916 of 993 in Ohio. Most of that expected damage is river and rain flooding (84%), then tornadoes (13%). Flood insurance has paid 15 claims here since 1979.
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 Taylor Creek 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 Taylor Creek’s grade
River and rain flooding is 84% of the building damage FEMA expects in Taylor Creek, and Taylor Creek’s rate of river and rain flooding damage is higher than 81% of U.S. census tracts. Tornadoes add 13%, at a rate in the top 5% of U.S. census tracts.
C #916 of 993 in Ohio; higher expected damage per building than 70% of U.S. towns (21,298).
Taylor Creek’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, Taylor Creek has more expected damage per building than 92% of Ohio towns.
In dollars, FEMA expects about $1.6M a year in losses across Taylor Creek: $1.2M to buildings, the rest to people and crops.
Does Taylor Creek flood? Sometimes: 15 flood claims since 1979
Every paid claim on a federal flood insurance policy in Taylor Creek, from FEMA’s records: 8.6 per 1,000 homes, more than 71% of the 13,809 U.S. towns with a flood insurance record.
Taylor Creek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hamilton County.The storms Taylor Creek remembers
None of the 16 disasters declared for Hamilton County shows FEMA aid or repair money reaching Taylor Creek itself in FEMA’s records, so these are its biggest flood-claim years.
- 20173 flood claims paidNo declaration for the county that year
- 19792 flood claims paidNo declaration for the county that year
- 19982 flood claims paidNo declaration for the county that year
Hamilton 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 Taylor Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Taylor Creek archive →Taylor Creek and its neighbors
Taylor Creek is 6th of the 11 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 |
|---|---|---|---|
| Green Township | B+less damage than 74% | river and rain flooding | 29 |
| Colerain Township | B+less damage than 71% | river and rain flooding | 50 |
| Dry Ridge | B+less damage than 68% | river and rain flooding | — |
| Dent | B−more damage than 51% | river and rain flooding | 8 |
| Miami Township | B−more damage than 53% | river and rain flooding | 51 |
| Taylor Creek | Cmore damage than 70% | river and rain flooding | 15 |
| Crosby Township | Cmore damage than 71% | river and rain flooding | 34 |
| Miamitown | Cmore damage than 72% | river and rain flooding | — |
| New Baltimore | Cmore damage than 72% | river and rain flooding | — |
| Whitewater Township | Cmore damage than 74% | river and rain flooding | 23 |
| Grandview | C−more damage than 77% | river and rain flooding | 26 |
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 Taylor Creek 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 Taylor Creek
Is Taylor Creek at risk for natural disasters?
On FEMA’s National Risk Index, Taylor Creek has higher expected damage per building than 70% of U.S. towns: C for hazard risk, #916 of 993 in Ohio. Most of the expected damage is river and rain flooding (84%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Taylor Creek flood?
Flood insurance has paid 15 claims in Taylor Creek since 1979, $112K in all, or 8.6 per 1,000 homes, more than 71% of U.S. towns with a flood insurance record.
Is Taylor Creek 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 Hamilton County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Taylor Creek?
FEMA’s Community Rating System list shows no discount for Taylor Creek’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Taylor Creek at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Taylor Creek’s rate for it is higher than 81% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Taylor Creek.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Taylor Creek’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.