Photo: Nyttend · Public domainOn FEMA’s figures, Union Township faces more hazard damage per building than 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Union Township gets a C for hazard risk: higher expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 17 claims here since 1978.
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 Union 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
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 Union Township’s grade
River and rain flooding is 92% of the building damage FEMA expects in Union Township, and Union Township’s rate of river and rain flooding damage is higher than 87% of U.S. census tracts.
C higher expected damage per building than 75% of U.S. towns (21,298).
Union Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $697K a year in losses across Union Township: $483K to buildings, the rest to people and crops.
Does Union Township flood? Sometimes: 17 flood claims since 1978
Every paid claim on a federal flood insurance policy in Union Township, from FEMA’s records: 15.9 per 1,000 homes, more than 81% of the 13,809 U.S. towns with a flood insurance record.
Union 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: Scioto County.The storms Union Township remembers
None of the 15 disasters declared for Scioto County shows FEMA aid or repair money reaching Union Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19977 flood claims paidThe year of Severe Storms and Flooding, declared for Scioto County
- 20004 flood claims paidThe year of Severe Storms and Flooding, declared for Scioto County
- 20012 flood claims paidNo declaration for the county that year
Scioto County has had 15 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 Union Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Union Township archive →Union Township and its neighbors
Union Township is 3rd 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 |
|---|---|---|---|
| Washington Township | Cmore damage than 69% | river and rain flooding | 5 |
| Rush Township | Cmore damage than 71% | river and rain flooding | — |
| Union Township | Cmore damage than 75% | river and rain flooding | 17 |
| Brush Creek Township | C−more damage than 82% | river and rain flooding | 23 |
| Nile Township | Dmore damage than 93% | river and rain flooding | 34 |
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 Union 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.
- 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 Union Township
Is Union Township at risk for natural disasters?
On FEMA’s National Risk Index, Union Township has higher expected damage per building than 75% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Union Township flood?
Flood insurance has paid 17 claims in Union Township since 1978, $198K in all, or 15.9 per 1,000 homes, more than 81% of U.S. towns with a flood insurance record.
Is Union 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 Scioto County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Union Township?
FEMA’s Community Rating System list shows no discount for Union Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Union Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Union Township’s rate for it is higher than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Union Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Union 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.