Harmony Hill Dairy House · Photo: Aesopposea · CC BY-SA 3.0FEMA expects less hazard damage per building in Williamsburg Township than in 71% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Williamsburg Township gets a B+ for hazard risk: lower expected damage per building than 71% of U.S. towns, #594 of 993 in Ohio. Most of that expected damage is river and rain flooding (80%). Flood insurance has paid 7 claims here since 1980.
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 Williamsburg 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
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 Williamsburg Township’s grade
River and rain flooding is 80% of the building damage FEMA expects in Williamsburg Township, and Williamsburg Township’s rate of river and rain flooding damage is lower than 52% of U.S. census tracts. Next is tornadoes at 9% (higher than 67% of U.S. census tracts).
B+ #594 of 993 in Ohio; lower expected damage per building than 71% of U.S. towns (21,298).
All of Williamsburg Township’s residents live in one census tract; the figures are that tract’s.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Williamsburg Township has more expected damage per building than 60% of Ohio towns.
In dollars, FEMA expects about $1.5M a year in losses across Williamsburg Township: $1.1M to buildings, the rest to people and crops.
Does Williamsburg Township flood? Rarely: 7 flood claims since 1980
Every paid claim on a federal flood insurance policy in Williamsburg Township, from FEMA’s records: 3.0 per 1,000 homes, fewer than 52% of the 13,809 U.S. towns with a flood insurance record.
Williamsburg 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: Clermont County.3 federal disasters brought FEMA money to Williamsburg Township
Disasters that paid out in Williamsburg Township itself (aid to households or repair grants to Williamsburg Township), newest first, with that year’s flood claims.
- 2008Severe Wind Storm Associated with Tropical Depression Ike$5K to Williamsburg Township for repairs
- 2008Record Snow and Near Record Snow$4K to Williamsburg Township for repairs
- 2001Severe Storms and Flooding$6K to Williamsburg Township for repairs
Clermont County has had 16 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 Williamsburg Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Williamsburg Township archive →Williamsburg Township and its neighbors
Williamsburg Township is 3rd 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 |
|---|---|---|---|
| Batavia Township | A+less damage than 96% | river and rain flooding | 11 |
| Tate Township | A−less damage than 76% | river and rain flooding | — |
| Williamsburg Township | B+less damage than 71% | river and rain flooding | 7 |
| Jackson Township | B+less damage than 69% | 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 Williamsburg 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.
- 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 Williamsburg Township
Is Williamsburg Township at risk for natural disasters?
On FEMA’s National Risk Index, Williamsburg Township has lower expected damage per building than 71% of U.S. towns: B+ for hazard risk, #594 of 993 in Ohio. Most of the expected damage is river and rain flooding (80%) and tornadoes (9%). 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.
Does Williamsburg Township flood?
Flood insurance has paid 7 claims in Williamsburg Township since 1980, $697K in all, or 3.0 per 1,000 homes, fewer than 52% of U.S. towns with a flood insurance record.
Is Williamsburg 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 Clermont County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Williamsburg Township?
FEMA’s Community Rating System list shows no discount for Williamsburg Township’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 Williamsburg Township?
By FEMA money that reached Williamsburg Township, Severe Storms and Flooding (2001): $6K to Williamsburg Township for repairs.
Is Williamsburg Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Williamsburg Township’s rate for it is lower than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Williamsburg Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Williamsburg 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.