Photo: Louise Glazier Baker · CC BY-SA 4.0Less hazard damage per building is expected in Warwick Township than in 79% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Warwick Township gets an A− for hazard risk: lower expected damage per building than 79% of U.S. towns, #488 of 993 in Ohio. Most of that expected damage is river and rain flooding (87%). FEMA’s files show no paid flood insurance claims here.
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 Warwick 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
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 Warwick Township’s grade
River and rain flooding is 87% of the building damage FEMA expects in Warwick Township, and Warwick Township’s rate of river and rain flooding damage is lower than 53% of U.S. census tracts. Next is hail at 5% (higher than 81% of U.S. census tracts).
A− #488 of 993 in Ohio; lower expected damage per building than 79% of U.S. towns (21,298).
Warwick Township’s residents live in 6 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, Warwick Township has less expected damage per building than 51% of Ohio towns.
In dollars, FEMA expects about $529K a year in losses across Warwick Township: $405K to buildings, the rest to people and crops.
Does Warwick Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Warwick Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Warwick 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: Tuscarawas County.The storms Warwick Township remembers
None of the 10 disasters declared for Tuscarawas County shows FEMA aid or repair money reaching Warwick Township itself in FEMA’s records, so these are its biggest flood-claim years.
Tuscarawas 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.
Warwick Township and its neighbors
Warwick Township is 4th of the 6 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 |
|---|---|---|---|
| Clay Township | Aless damage than 87% | river and rain flooding | — |
| Gnadenhutten | A−less damage than 85% | river and rain flooding | — |
| York Township | A−less damage than 80% | river and rain flooding | — |
| Warwick Township | A−less damage than 79% | river and rain flooding | 0 |
| Goshen Township | Bless damage than 61% | river and rain flooding | 26 |
| Mill Township | C+more damage than 56% | river and rain flooding | 37 |
| Rush Township | — | 966 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 Warwick 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.
- 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 Warwick Township
Is Warwick Township at risk for natural disasters?
On FEMA’s National Risk Index, Warwick Township has lower expected damage per building than 79% of U.S. towns: A− for hazard risk, #488 of 993 in Ohio. Most of the expected damage is river and rain flooding (87%) and hail (5%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Warwick 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 Tuscarawas County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Warwick Township?
FEMA’s Community Rating System list shows no discount for Warwick Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Warwick Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Warwick Township’s rate for it is lower than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Warwick Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Warwick 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.