Photo: Mr. Matté (if there is an issue with this image, contact me using this image's Commons talk page, my Commons user talk page, or my English Wikipedia user talk page; I'll know about it a lot faster) · CC BY-SA 4.0Storms, floods and disasters in Addison Township
Addison Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Addison Township yet. Flood insurance has paid 6 claims here since 1984.
What Addison 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.
Does Addison Township flood? Rarely: 6 flood claims since 1984
Every paid claim on a federal flood insurance policy in Addison Township, from FEMA’s records.
Addison 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: Somerset County.The storms Addison Township remembers
None of the 17 disasters declared for Somerset County shows FEMA aid or repair money reaching Addison Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20032 flood claims paidThe year of Snow, declared for Somerset County
- 20092 flood claims paidNo declaration for the county that year
- 19841 flood claims paidThe year of Severe Storms and Flooding, declared for Somerset County
Somerset County has had 17 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Addison Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Addison Township archive →Addison Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Elk Lick Township | Aless damage than 86% | river and rain flooding | 12 |
| Upper Turkeyfoot Township | Aless damage than 86% | river and rain flooding | 3 |
| Henry Clay Township | A−less damage than 75% | river and rain flooding | 1 |
| Black Township | — | 849 residents; we grade 1,000+ | |
| Lower Turkeyfoot Township | — | 470 residents; we grade 1,000+ | |
| Confluence | — | 577 residents; we grade 1,000+ | |
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 Addison 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 Addison Township
Does Addison Township flood?
Flood insurance has paid 6 claims in Addison Township since 1984, $16K in all.
Is Addison 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 Somerset County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Addison Township?
FEMA’s Community Rating System list shows no discount for Addison Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Addison Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Addison 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.