Photo: Ksponsler · CC BY-SA 3.0FEMA expects less hazard damage per building in Twinsburg than in 69% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Twinsburg gets a B+ for hazard risk: lower expected damage per building than 69% of U.S. towns, #621 of 993 in Ohio. Most of that expected damage is river and rain flooding (79%), then hail (11%). Flood insurance has paid 1 claim here since 2006.
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 Twinsburg’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Twinsburg 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
Hail
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 Twinsburg’s grade
River and rain flooding is 79% of the building damage FEMA expects in Twinsburg, and Twinsburg’s rate of river and rain flooding damage is higher than 50% of U.S. census tracts. Next is hail at 11% (higher than 90% of U.S. census tracts).
B+ #621 of 993 in Ohio; lower expected damage per building than 69% of U.S. towns (21,298).
Twinsburg’s residents live in 5 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, Twinsburg has more expected damage per building than 62% of Ohio towns.
In dollars, FEMA expects about $4.5M a year in losses across Twinsburg: $3.8M to buildings, the rest to people and crops.
Does Twinsburg flood? Rarely: 1 flood claim since 2006
Every paid claim on a federal flood insurance policy in Twinsburg, from FEMA’s records: 0.1 per 1,000 homes, fewer than 99% of the 13,809 U.S. towns with a flood insurance record.
Twinsburg isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Summit County.3 federal disasters brought FEMA money to Twinsburg
Disasters that paid out in Twinsburg itself (aid to households or repair grants to the City of Twinsburg), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding30 households applied for aid$25K aid approved
- 2003Tornadoes, Flooding, Severe Storms, and High Winds82 households applied for aid$107K aid approved$28K to the City of Twinsburg for repairs
- 2002Severe Storms and Tornadoes10 households applied for aid$1K aid approved
Summit 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 Twinsburg after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Twinsburg archive →Twinsburg and its neighbors
Twinsburg is 5th of the 5 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 |
|---|---|---|---|
| Macedonia | A+less damage than 96% | river and rain flooding | 6 |
| Twinsburg Township | A+less damage than 95% | river and rain flooding | — |
| Twinsburg Heights | Aless damage than 94% | river and rain flooding | — |
| Reminderville | A−less damage than 79% | river and rain flooding | 8 |
| Twinsburg | B+less damage than 69% | river and rain flooding | 1 |
| Glenwillow | — | 758 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 Twinsburg 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Twinsburg
Is Twinsburg at risk for natural disasters?
On FEMA’s National Risk Index, Twinsburg has lower expected damage per building than 69% of U.S. towns: B+ for hazard risk, #621 of 993 in Ohio. Most of the expected damage is river and rain flooding (79%) and hail (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Twinsburg flood?
Flood insurance has paid 1 claim in Twinsburg since 2006, $11K in all, or 0.1 per 1,000 homes, fewer than 99% of U.S. towns with a flood insurance record.
Is Twinsburg 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 Summit County, 29% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Twinsburg?
FEMA’s Community Rating System list shows no discount for Twinsburg’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 Twinsburg?
By FEMA money that reached Twinsburg, Tornadoes, Flooding, Severe Storms, and High Winds (2003): 82 households applied for aid, $107K approved, and $28K to the City of Twinsburg for repairs.
Is Twinsburg at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Twinsburg’s rate for it is higher than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Twinsburg.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Twinsburg’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.