Ursa Township’s building-damage rate from strong wind is in the top 5% of U.S. census tracts
On FEMA’s National Risk Index, Ursa Township gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns. Most of that expected damage is river and rain flooding (79%). FEMA’s files show no paid flood insurance claims here.
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 Ursa 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
Strong wind
Hail
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 Ursa Township’s grade
River and rain flooding is 79% of the building damage FEMA expects in Ursa Township, and Ursa Township’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 5% of U.S. census tracts.
C+ higher expected damage per building than 63% of U.S. towns (21,298).
All of Ursa Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $491K a year in losses across Ursa Township: $168K to buildings, the rest to people and crops.
Does Ursa Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Ursa Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Ursa 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: Adams County.The storms Ursa Township remembers
None of the 18 disasters declared for Adams County shows FEMA aid or repair money reaching Ursa Township itself in FEMA’s records, so these are its biggest flood-claim years.
Adams County has had 18 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Ursa Township and its neighbors
Ursa Township is 2nd 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 |
|---|---|---|---|
| Mendon Township | C+more damage than 63% | river and rain flooding | 59 |
| Ursa Township | C+more damage than 63% | river and rain flooding | 0 |
| Canton | Cmore damage than 69% | river and rain flooding | 26 |
| Riverside Township | Cmore damage than 70% | river and rain flooding | 99 |
| Lima Township | — | 593 residents; we grade 1,000+ | |
| La Grange | — | 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 Ursa 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Ursa Township
Is Ursa Township at risk for natural disasters?
On FEMA’s National Risk Index, Ursa Township has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (79%) and tornadoes (8%). 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.
Is Ursa 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 Adams County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Ursa Township?
FEMA’s Community Rating System list shows no discount for Ursa Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Ursa Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Ursa Township’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ursa Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ursa 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.