Natural hazards · Mad River

Mad River, OH natural hazards

Most of the natural-hazard damage FEMA expects in Mad River comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 8 claims here since 1995.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Mad River?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mad River to be higher than in 47% of U.S. communities, mostly from inland flooding.

Inland flooding67%Tornadoes11%Cold waves7%Everything else16%

By hazard

What Mad River faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

67% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 39 years in the area

Cold waves

7% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Mad River flood?

Every paid claim on a federal flood insurance policy in Mad River, from FEMA’s records.

8paid claims since 1995

$89Kpaid to owners

0homes flooded more than once

19952026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Mad River isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Champaign County.

Disasters that hit Mad River

Federal disasters declared here

None of the disasters declared for Champaign County shows FEMA aid or repair money reaching Mad River itself in FEMA’s records.

Brought FEMA money into Mad RiverDeclared for Champaign County only

Champaign County has had 8 natural disasters declared since 1953, most often severe storms and winter storms.

Around Mad River

Mad River and the towns around it

Very lowLowModerateHighVery high

Mad Rivermostly inland floodingModerate

Pikemostly inland floodingLow

Concordmostly inland floodingLow

Urbanamostly inland floodingLow

Germanmostly inland floodingLow

Jacksonmostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Mad River covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Mad River’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Mad River. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Mad River total about $783K a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.