Photo: Nyttend · Public domainFEMA puts Worthington Township’s expected hazard damage per building above that of 63% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Worthington Township gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns, #890 of 993 in Ohio. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 13 claims here since 1987.
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 Worthington 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 Worthington Township’s grade
River and rain flooding is 87% of the building damage FEMA expects in Worthington Township, and Worthington Township’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Ice storms add 2%, at a rate in the top 8% of U.S. census tracts.
C+ #890 of 993 in Ohio; higher expected damage per building than 63% of U.S. towns (21,298).
All of Worthington 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, Worthington Township has more expected damage per building than 90% of Ohio towns.
In dollars, FEMA expects about $902K a year in losses across Worthington Township: $767K to buildings, the rest to people and crops.
Does Worthington Township flood? Sometimes: 13 flood claims since 1987
Every paid claim on a federal flood insurance policy in Worthington Township, from FEMA’s records: 11.3 per 1,000 homes, more than 76% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms4 claims · $20K
Worthington 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: Richland County.3 federal disasters brought FEMA money to Worthington Township
Disasters that paid out in Worthington Township itself (aid to households or repair grants to Worthington Township), newest first, with that year’s flood claims.
- 2008Record Snow and Near Record Snow$8K to Worthington Township for repairs
- 2004Severe Winter Storms, Flooding, and Mudslides$8K to Worthington Township for repairs
- 2004Snow$5K to Worthington Township for repairs
Richland County has had 15 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 Worthington Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Worthington Township archive →Worthington Township and its neighbors
Worthington Township is 4th 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 |
|---|---|---|---|
| Monroe Township | A−less damage than 79% | river and rain flooding | — |
| Pike Township | A−less damage than 77% | river and rain flooding | 4 |
| Jefferson Township | C+more damage than 55% | river and rain flooding | 58 |
| Worthington Township | C+more damage than 63% | river and rain flooding | 13 |
| Hanover Township | C−more damage than 78% | river and rain flooding | 23 |
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 Worthington 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 Worthington Township
Is Worthington Township at risk for natural disasters?
On FEMA’s National Risk Index, Worthington Township has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk, #890 of 993 in Ohio. Most of the expected damage is river and rain flooding (87%). 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 Worthington Township flood?
Flood insurance has paid 13 claims in Worthington Township since 1987, $71K in all, or 11.3 per 1,000 homes, more than 76% of U.S. towns with a flood insurance record. The most claims came from Late winter storms (4).
Is Worthington 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 Richland County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Worthington Township?
FEMA’s Community Rating System list shows no discount for Worthington 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 Worthington Township?
By FEMA money that reached Worthington Township, Severe Winter Storms, Flooding, and Mudslides (2004): $8K to Worthington Township for repairs. By flood claims, Late winter storms: 4 paid, $20K.
Is Worthington Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Worthington Township’s rate for it is higher than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Worthington Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Worthington 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.