Natural hazards · Turtlecreek

Turtlecreek, OH natural hazards

Most of the natural-hazard damage FEMA expects in Turtlecreek comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 1998.

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

Expected damage

How exposed is Turtlecreek?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Turtlecreek to be higher than in 19% of U.S. communities, mostly from inland flooding.

Inland flooding62%Tornadoes13%Cold waves11%Everything else14%

By hazard

What Turtlecreek faces

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

Inland flooding

62% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 71% of U.S. places

Cold waves

11% of expected damage

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

Recorded about 3 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 Turtlecreek flood?

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

4paid claims since 1998

$82Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Warren County.

Disasters that hit Turtlecreek

Federal disasters declared here

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

Brought FEMA money into TurtlecreekDeclared for Warren County only

Warren County has had 11 natural disasters declared since 1953, most often severe storms and floods.

Around Turtlecreek

Turtlecreek and the towns around it

Very lowLowModerateHighVery high

Salemmostly inland floodingHigh

Middletownmostly inland floodingModerate

Franklinmostly inland floodingModerate

Lemonmostly inland floodingModerate

Unionmostly inland floodingLow

Clear Creekmostly inland floodingLow

Lebanonmostly inland floodingLow

Waynemostly inland floodingLow

Turtlecreekmostly inland floodingVery low

Washingtonmostly inland floodingVery low

Masonmostly inland floodingVery low

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. Turtlecreek covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Turtlecreek’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Turtlecreek. 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 Turtlecreek total about $5.8M 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.