Photo: Roseohioresident · CC BY-SA 4.0FEMA expects less hazard damage per building in Vermillion Township than in 77% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Vermillion Township gets an A− for hazard risk: lower expected damage per building than 77% of U.S. towns, #528 of 993 in Ohio. Most of that expected damage is river and rain flooding (74%). Flood insurance has paid 4 claims here since 1989.
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 Vermillion 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
Hail
Strong wind
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 Vermillion Township’s grade
River and rain flooding is 74% of the building damage FEMA expects in Vermillion Township, and Vermillion Township’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Winter storms add 1%, at a rate in the top 6% of U.S. census tracts.
A− #528 of 993 in Ohio; lower expected damage per building than 77% of U.S. towns (21,298).
Vermillion Township’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, Vermillion Township has more expected damage per building than 53% of Ohio towns.
In dollars, FEMA expects about $891K a year in losses across Vermillion Township: $776K to buildings, the rest to people and crops.
Does Vermillion Township flood? Rarely: 4 flood claims since 1989
Every paid claim on a federal flood insurance policy in Vermillion Township, from FEMA’s records: 3.3 per 1,000 homes, more than 51% of the 13,809 U.S. towns with a flood insurance record.
Vermillion 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: Ashland County.The storms Vermillion Township remembers
None of the 8 disasters declared for Ashland County shows FEMA aid or repair money reaching Vermillion Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20052 flood claims paidNo declaration for the county that year
- 19891 flood claims paidNo declaration for the county that year
- 20071 flood claims paidNo declaration for the county that year
Ashland County has had 8 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 Vermillion Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Vermillion Township archive →Vermillion Township and its neighbors
Vermillion 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 |
|---|---|---|---|
| Mohican Township | Aless damage than 90% | river and rain flooding | — |
| Montgomery Township | Aless damage than 87% | river and rain flooding | 5 |
| Vermillion Township | A−less damage than 77% | river and rain flooding | 4 |
| Mifflin Township | A−less damage than 76% | river and rain flooding | — |
| Green Township | B−more damage than 54% | river and rain flooding | — |
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 Vermillion 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Vermillion Township
Is Vermillion Township at risk for natural disasters?
On FEMA’s National Risk Index, Vermillion Township has lower expected damage per building than 77% of U.S. towns: A− for hazard risk, #528 of 993 in Ohio. Most of the expected damage is river and rain flooding (74%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Vermillion Township flood?
Flood insurance has paid 4 claims in Vermillion Township since 1989, $40K in all, or 3.3 per 1,000 homes, more than 51% of U.S. towns with a flood insurance record.
Is Vermillion 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 Ashland County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Vermillion Township?
FEMA’s Community Rating System list shows no discount for Vermillion Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Vermillion Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Vermillion Township’s rate for it is lower than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Vermillion Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Vermillion 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.