Photo: User:Nyttend · Public domainOn FEMA’s figures, Turtlecreek Township faces less hazard damage per building than 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Turtlecreek Township gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns, #412 of 993 in Ohio. Most of that expected damage is river and rain flooding (79%), then tornadoes (12%). Flood insurance has paid 4 claims here since 1998.
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 Turtlecreek 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
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 Turtlecreek Township’s grade
River and rain flooding is 79% of the building damage FEMA expects in Turtlecreek Township, and Turtlecreek Township’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts. Next is tornadoes at 12% (higher than 71% of U.S. census tracts).
A− #412 of 993 in Ohio; lower expected damage per building than 83% of U.S. towns (21,298).
Turtlecreek Township’s residents live in 9 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, Turtlecreek Township has less expected damage per building than 59% of Ohio towns.
In dollars, FEMA expects about $4.7M a year in losses across Turtlecreek Township: $3.6M to buildings, the rest to people and crops.
Does Turtlecreek Township flood? Rarely: 4 flood claims since 1998
Every paid claim on a federal flood insurance policy in Turtlecreek Township, from FEMA’s records: 0.7 per 1,000 homes, fewer than 85% of the 13,809 U.S. towns with a flood insurance record.
Turtlecreek 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: Warren County.The storms Turtlecreek Township remembers
None of the 10 disasters declared for Warren County shows FEMA aid or repair money reaching Turtlecreek Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19981 flood claims paidNo declaration for the county that year
- 20011 flood claims paidNo declaration for the county that year
- 20181 flood claims paidNo declaration for the county that year
Warren County has had 10 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 Turtlecreek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Turtlecreek Township archive →Turtlecreek Township and its neighbors
Turtlecreek Township is 4th 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 |
|---|---|---|---|
| Mason | Aless damage than 91% | river and rain flooding | 7 |
| Washington Township | A−less damage than 85% | river and rain flooding | 2 |
| Wayne Township | A−less damage than 83% | river and rain flooding | 1 |
| Turtlecreek Township | A−less damage than 83% | river and rain flooding | 4 |
| Lebanon | A−less damage than 82% | river and rain flooding | 8 |
| Clear Creek Township | A−less damage than 77% | river and rain flooding | 13 |
| Union Township | B+less damage than 72% | river and rain flooding | 35 |
| Lemon Township | B+less damage than 66% | river and rain flooding | 3 |
| Franklin Township | C+more damage than 60% | river and rain flooding | 17 |
| Middletown | C+more damage than 61% | river and rain flooding | 9 |
| Salem Township | Cmore damage than 67% | river and rain flooding | 21 |
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 Turtlecreek 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.
- 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 Turtlecreek Township
Is Turtlecreek Township at risk for natural disasters?
On FEMA’s National Risk Index, Turtlecreek Township has lower expected damage per building than 83% of U.S. towns: A− for hazard risk, #412 of 993 in Ohio. Most of the expected damage is river and rain flooding (79%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Turtlecreek Township flood?
Flood insurance has paid 4 claims in Turtlecreek Township since 1998, $82K in all, or 0.7 per 1,000 homes, fewer than 85% of U.S. towns with a flood insurance record.
Is Turtlecreek 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 Warren County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Turtlecreek Township?
FEMA’s Community Rating System list shows no discount for Turtlecreek Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Turtlecreek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Turtlecreek Township’s rate for it is lower than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Turtlecreek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Turtlecreek 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.