Cold Spring Farm · Photo: Nyttend · Public domainOn FEMA’s figures, Todd Township faces less hazard damage per building than 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Todd Township 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 (76%), then hurricanes (15%). Flood insurance has paid 5 claims here since 1978.
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 Todd 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
Hurricanes
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 Todd Township’s grade
River and rain flooding is 76% of the building damage FEMA expects in Todd Township, and Todd Township’s rate of river and rain flooding damage is lower than 74% of U.S. census tracts. Next is hurricanes at 15% (higher than 81% of U.S. census tracts).
A lower expected damage per building than 89% of U.S. towns (21,298).
All of Todd Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $426K a year in losses across Todd Township: $364K to buildings, the rest to people and crops.
Does Todd Township flood? Rarely: 5 flood claims since 1978
Every paid claim on a federal flood insurance policy in Todd Township, from FEMA’s records: 5.9 per 1,000 homes, more than 64% of the 13,809 U.S. towns with a flood insurance record.
Todd 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: Fulton County.The storms Todd Township remembers
None of the 13 disasters declared for Fulton County shows FEMA aid or repair money reaching Todd Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19784 flood claims paidNo declaration for the county that year
- 19841 flood claims paidNo declaration for the county that year
Fulton County has had 13 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Todd Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Todd Township archive →Todd Township and its neighbors
Todd 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 |
|---|---|---|---|
| Licking Creek Township | Aless damage than 90% | river and rain flooding | 12 |
| Ayr Township | Aless damage than 89% | river and rain flooding | — |
| McConnellsburg | Aless damage than 89% | river and rain flooding | — |
| Todd Township | Aless damage than 89% | river and rain flooding | 5 |
| Peters Township | A−less damage than 78% | river and rain flooding | 19 |
| Metal Township | B+less damage than 68% | river and rain flooding | 1 |
| Dublin Township | — | not graded yet | |
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 Todd 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Todd Township
Is Todd Township at risk for natural disasters?
On FEMA’s National Risk Index, Todd Township 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 (76%) and hurricanes (15%). 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 Todd Township flood?
Flood insurance has paid 5 claims in Todd Township since 1978, $7K in all, or 5.9 per 1,000 homes, more than 64% of U.S. towns with a flood insurance record.
Is Todd 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 Fulton County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Todd Township?
FEMA’s Community Rating System list shows no discount for Todd Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Todd Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Todd Township’s rate for it is lower than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Todd Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Todd 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.