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West Branch BendPhoto: Nicholas · CC BY 2.0
C−Hazard risk
Natural hazards in Bald Eagle Township · FEMA

FEMA expects more hazard damage per building in Bald Eagle Township than in 78% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Bald Eagle Township gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 119 claims here since 1979.

River and rain flooding 95%Hurricanes 2%Tornadoes 2%

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

more than 78%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in Pennsylvania · higher than 78% of U.S. towns
Main hazard
River and rain flooding
95% of expected building damage
Flood claims
119
paid since 1979 · $2.4M
Flooded more than once
12
properties · 2 “severe repetitive loss”
Flood claims per home
123 per 1,000
more than 97% of U.S. towns

What stands out about Bald Eagle Township’s natural hazards

From FEMA’s model and FEMA’s records, below.

119 paid flood claims since 1979$2.4M in all; 12 properties flooded more than once. More per home than 97% of U.S. towns.Remembers 200445 flood claims were paid for 2004 alone, the most of any year.
By hazard

What Bald Eagle 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

95%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Hurricanes Tornadoes Strong wind Earthquakes Winter storms Hail Wildfire Ice storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

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

What’s behind Bald Eagle Township’s grade

River and rain flooding is 95% of the building damage FEMA expects in Bald Eagle Township, and Bald Eagle Township’s rate of river and rain flooding damage is higher than 89% of U.S. census tracts.

Where Bald Eagle Township sits
Bald Eagle Township
Least damageMiddleMost damage

C− higher expected damage per building than 78% of U.S. towns (21,298).

All of Bald Eagle Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding95%Everything else5%

In dollars, FEMA expects about $951K a year in losses across Bald Eagle Township: $774K to buildings, the rest to people and crops.

Shared tract.All of Bald Eagle Township’s 2,044 residents (2020 census) live in one census tract, which it shares with Mill Hall borough (1,479 residents) and Beech Creek township (972 residents) and Beech Creek borough (736 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Bald Eagle Township flood? Yes: 119 flood claims since 1979

Every paid claim on a federal flood insurance policy in Bald Eagle Township, from FEMA’s records: 123.2 per 1,000 homes, more than 97% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 1 claim1980: 0 claims1981: 8 claims1982: 0 claims1983: 0 claims1984: 17 claims1985: 0 claims1986: 1 claim1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 6 claims1994: 2 claims1995: 1 claim1996: 12 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 1 claim2004: 45 claims2005: 1 claim2006: 0 claims2007: 0 claims2008: 1 claim2009: 0 claims2010: 7 claims2011: 4 claims2012: 0 claims2013: 1 claim2014: 1 claim2015: 0 claims2016: 2 claims2017: 0 claims2018: 2 claims2019: 1 claim2020: 1 claim2021: 0 claims2022: 0 claims2023: 1 claim2024: 3 claims2025: 0 claims2026: 0 claims198419962004
19792026
Biggest named events
  • Tropical Storm Ivan42 claims · $1.5M
  • Tropical Storm Lee1 claim · $5K
119
paid claims since 1979
$2.4M
paid to owners
12
homes flooded more than once
$20K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (2)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Bald Eagle 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: Clinton County.
Disasters

The storms Bald Eagle Township remembers

None of the 12 disasters declared for Clinton County shows FEMA aid or repair money reaching Bald Eagle Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 200445 flood claims paidThe year of Tropical Depression Ivan, declared for Clinton County
  2. 198417 flood claims paidNo declaration for the county that year
  3. 199612 flood claims paidThe year of Severe Storms and Flooding, declared for Clinton County
Disasters declared, by decade
Paid out in Bald Eagle TownshipClinton County only

Clinton County has had 12 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Bald Eagle Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Bald Eagle Township archive →
Next door

Bald Eagle Township and its neighbors

Bald Eagle Township is 5th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Mill Hall: hazard risk C−Lamar Township: hazard risk CColebrook Township: not gradedCastanea Township: hazard risk B−Beech Creek Township: not gradedGrugan Township: not gradedAllison Township: not gradedWoodward Township: hazard risk CMill HallLamar TownshipColebrook TownshipCastanea TownshipBeech Creek TownshipGrugan TownshipAllison TownshipWoodward TownshipBald Eagle Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Castanea TownshipB−less damage than 53%river and rain flooding—
Woodward TownshipCmore damage than 70%river and rain flooding—
Lamar TownshipCmore damage than 74%river and rain flooding76
Mill HallC−more damage than 78%river and rain flooding124
Bald Eagle TownshipC−more damage than 78%river and rain flooding119
Colebrook Township—153 residents; we grade 1,000+
Beech Creek Township—900 residents; we grade 1,000+
Grugan Township—28 residents; we grade 1,000+
Allison Township—271 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.

Be ready

Get ready for what Bald Eagle 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.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Bald Eagle Township

Is Bald Eagle Township at risk for natural disasters?

On FEMA’s National Risk Index, Bald Eagle Township has higher expected damage per building than 78% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (95%). 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 Bald Eagle Township flood?

Flood insurance has paid 119 claims in Bald Eagle Township since 1979, $2.4M in all, or 123.2 per 1,000 homes, more than 97% of U.S. towns with a flood insurance record. 12 properties have flooded more than once. The most claims came from Tropical Storm Ivan (42).

Is Bald Eagle 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 Clinton County, 15% of homes in mapped flood zones carry federal flood insurance, and 2.2% of all homes do.

How much is flood insurance in Bald Eagle Township?

FEMA’s Community Rating System list shows no discount for Bald Eagle Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Bald Eagle Township?

By flood claims, Tropical Storm Ivan: 42 paid, $1.5M.

Is Bald Eagle Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (95%), and Bald Eagle Township’s rate for it is higher than 89% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Bald Eagle Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bald Eagle 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.