Photo: Niagara66 · CC BY-SA 4.0FEMA expects less hazard damage per building in Tipp City than in 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Tipp City gets an A− for hazard risk: lower expected damage per building than 84% of U.S. towns, #400 of 993 in Ohio. Most of that expected damage is river and rain flooding (71%), then tornadoes (14%). Flood insurance has paid 6 claims here since 2004.
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 stands out about Tipp City’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Tipp City 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 Tipp City’s grade
River and rain flooding is 71% of the building damage FEMA expects in Tipp City, and Tipp City’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Next is tornadoes at 14% (higher than 76% of U.S. census tracts).
A− #400 of 993 in Ohio; lower expected damage per building than 84% of U.S. towns (21,298).
Tipp City’s residents live in 4 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, Tipp City has less expected damage per building than 60% of Ohio towns.
In dollars, FEMA expects about $2.5M a year in losses across Tipp City: $2.1M to buildings, the rest to people and crops.
Does Tipp City flood? Rarely: 6 flood claims since 2004
Every paid claim on a federal flood insurance policy in Tipp City, from FEMA’s records: 1.4 per 1,000 homes, fewer than 71% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan1 claim · $2K
Tipp City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Miami County.5 federal disasters brought FEMA money to Tipp City
Disasters that paid out in Tipp City itself (aid to households or repair grants to the City of Tipp City), newest first, with that year’s flood claims.
- 2012Severe Storms and Straight-line Winds$16K to the City of Tipp City for repairs
- 2008Severe Wind Storm Associated with Tropical Depression Ike$84K to the City of Tipp City for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides3 households applied for aid$772 aid approved
- 2004Snow$16K to the City of Tipp City for repairs
- 2003Severe Winter Storm and Record/near Record Snow$9K to the City of Tipp City for repairs
Miami County has had 11 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Tipp City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Tipp City archive →Tipp City and its neighbors
Tipp City is 3rd of the 4 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 |
|---|---|---|---|
| Bethel Township | Aless damage than 85% | river and rain flooding | 3 |
| Monroe Township | Aless damage than 85% | river and rain flooding | 7 |
| Tipp City | A−less damage than 84% | river and rain flooding | 6 |
| Staunton Township | Bless damage than 59% | river and rain flooding | 16 |
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 Tipp City 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 Tipp City
Is Tipp City at risk for natural disasters?
On FEMA’s National Risk Index, Tipp City has lower expected damage per building than 84% of U.S. towns: A− for hazard risk, #400 of 993 in Ohio. Most of the expected damage is river and rain flooding (71%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Tipp City flood?
Flood insurance has paid 6 claims in Tipp City since 2004, $46K in all, or 1.4 per 1,000 homes, fewer than 71% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (1).
Is Tipp City 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 Miami County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Tipp City?
FEMA’s Community Rating System list shows no discount for Tipp City’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 Tipp City?
By FEMA money that reached Tipp City, Severe Wind Storm Associated with Tropical Depression Ike (2008): $84K to the City of Tipp City for repairs. By flood claims, Tropical Storm Ivan: 1 paid, $2K.
Is Tipp City at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Tipp City’s rate for it is lower than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Tipp City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tipp City’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.