Photo: Nyttend · Public domainLess hazard damage per building is expected in Wilberforce than in 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Wilberforce gets an A for hazard risk: lower expected damage per building than 89% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then tornadoes (14%). 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 Wilberforce 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
Earthquakes
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 Wilberforce’s grade
River and rain flooding is 70% of the building damage FEMA expects in Wilberforce, and Wilberforce’s rate of river and rain flooding damage is lower than 79% of U.S. census tracts. Next is tornadoes at 14% (higher than 71% of U.S. census tracts).
A lower expected damage per building than 89% of U.S. towns (21,298).
All of Wilberforce’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $601K a year in losses across Wilberforce: $377K to buildings, the rest to people and crops.
Does Wilberforce flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Wilberforce. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Wilberforce isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Greene County.The storms Wilberforce remembers
None of the 13 disasters declared for Greene County shows FEMA aid or repair money reaching Wilberforce itself in FEMA’s records, so these are its biggest flood-claim years.
Greene County has had 13 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.
Wilberforce and its neighbors
Wilberforce is 2nd of the 4 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 |
|---|---|---|---|
| Xenia Township | Aless damage than 89% | river and rain flooding | 16 |
| Wilberforce | Aless damage than 89% | river and rain flooding | 0 |
| Xenia | Aless damage than 89% | river and rain flooding | 12 |
| Cedarville Township | Aless damage than 88% | river and rain flooding | 5 |
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 Wilberforce 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Wilberforce
Is Wilberforce at risk for natural disasters?
On FEMA’s National Risk Index, Wilberforce has lower expected damage per building than 89% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (70%) and tornadoes (14%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Wilberforce 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 Greene County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Wilberforce?
FEMA’s Community Rating System list shows no discount for Wilberforce’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Wilberforce at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Wilberforce’s rate for it is lower than 79% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wilberforce.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wilberforce’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.