Photo: Nyttend · Public domainFEMA expects less hazard damage per building in Trotwood than in 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Trotwood gets a B+ for hazard risk: lower expected damage per building than 65% of U.S. towns, #678 of 993 in Ohio. Most of that expected damage is river and rain flooding (84%). Flood insurance has paid 10 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 Trotwood 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
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 Trotwood’s grade
River and rain flooding is 84% of the building damage FEMA expects in Trotwood, and Trotwood’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts.
B+ #678 of 993 in Ohio; lower expected damage per building than 65% of U.S. towns (21,298).
Trotwood’s residents live in 10 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, Trotwood has more expected damage per building than 68% of Ohio towns.
In dollars, FEMA expects about $5.1M a year in losses across Trotwood: $4.0M to buildings, the rest to people and crops.
Does Trotwood flood? Sometimes: 10 flood claims since 1979
Every paid claim on a federal flood insurance policy in Trotwood, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.
Trotwood isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.5 federal disasters brought FEMA money to Trotwood
Disasters that paid out in Trotwood itself (aid to households or repair grants to the City of Trotwood), newest first, with that year’s flood claims.
- 2019Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslide912 households applied for aid$1.2M aid approved$706K to the City of Trotwood for repairs
- 2008Severe Wind Storm Associated with Tropical Depression Ike$182K to the City of Trotwood for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides$60K to the City of Trotwood for repairs
- 2004Snow$36K to the City of Trotwood for repairs
- 2003Severe Winter Storm and Record/near Record Snow$14K to the City of Trotwood for repairs
Montgomery County has had 10 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 Trotwood after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Trotwood archive →Trotwood and its neighbors
Trotwood is 6th 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 |
|---|---|---|---|
| Fort McKinley | A+less damage than 98% | river and rain flooding | — |
| Perry Township | Aless damage than 90% | river and rain flooding | 2 |
| Harrison Township | A−less damage than 84% | river and rain flooding | 17 |
| Clayton | A−less damage than 84% | river and rain flooding | 7 |
| Shiloh | A−less damage than 79% | river and rain flooding | 17 |
| Trotwood | B+less damage than 65% | river and rain flooding | 10 |
| Dayton | Bless damage than 60% | river and rain flooding | 24 |
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 Trotwood 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.
- 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 Trotwood
Is Trotwood at risk for natural disasters?
On FEMA’s National Risk Index, Trotwood has lower expected damage per building than 65% of U.S. towns: B+ for hazard risk, #678 of 993 in Ohio. Most of the expected damage is river and rain flooding (84%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Trotwood flood?
Flood insurance has paid 10 claims in Trotwood since 1979, $107K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Trotwood 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 Montgomery County, 25% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Trotwood?
FEMA’s Community Rating System list shows no discount for Trotwood’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 Trotwood?
By FEMA money that reached Trotwood, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslide (2019): 912 households applied for aid, $1.2M approved, and $706K to the City of Trotwood for repairs.
Is Trotwood at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Trotwood’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Trotwood.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Trotwood’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.