FEMA expects about as much hazard damage per building in Berlin Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Berlin Township gets a B− for hazard risk: lower expected damage per building than 51% of U.S. towns. Most of that expected damage is river and rain flooding (88%). Flood insurance has paid 2 claims here since 1996.
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 Berlin 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
Hurricanes
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 Berlin Township’s grade
River and rain flooding is 88% of the building damage FEMA expects in Berlin Township, and Berlin Township’s rate of river and rain flooding damage is higher than 70% of U.S. census tracts. Next is hurricanes at 6% (higher than 74% of U.S. census tracts).
B− lower expected damage per building than 51% of U.S. towns (21,298).
All of Berlin Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $919K a year in losses across Berlin Township: $763K to buildings, the rest to people and crops.
Does Berlin Township flood? Rarely: 2 flood claims since 1996
Every paid claim on a federal flood insurance policy in Berlin Township, from FEMA’s records: 1.5 per 1,000 homes, fewer than 69% of the 13,809 U.S. towns with a flood insurance record.
Berlin 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: Wayne County.The storms Berlin Township remembers
None of the 21 disasters declared for Wayne County shows FEMA aid or repair money reaching Berlin Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19961 flood claims paidThe year of Severe Storms and Flooding, declared for Wayne County
- 20081 flood claims paidNo declaration for the county that year
Wayne County has had 21 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.
Old photos of Berlin Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Berlin Township archive →Berlin Township and its neighbors
Berlin Township is 4th of the 6 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 |
|---|---|---|---|
| Lackawaxen Township | Bless damage than 64% | river and rain flooding | 17 |
| Texas Township | Bless damage than 58% | river and rain flooding | 2 |
| Palmyra Township | B−less damage than 51% | river and rain flooding | — |
| Berlin Township | B−less damage than 51% | river and rain flooding | 2 |
| Damascus Township | C+more damage than 62% | river and rain flooding | 52 |
| Tusten | C−more damage than 82% | river and rain flooding | 39 |
| Narrowsburg | — | 482 residents; we grade 1,000+ | |
| Oregon Township | — | 933 residents; we grade 1,000+ | |
| White Mills | — | 703 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 Berlin 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Berlin Township
Is Berlin Township at risk for natural disasters?
On FEMA’s National Risk Index, Berlin Township has lower expected damage per building than 51% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (88%) and hurricanes (6%). 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 Berlin Township flood?
Flood insurance has paid 2 claims in Berlin Township since 1996, $10K in all, or 1.5 per 1,000 homes, fewer than 69% of U.S. towns with a flood insurance record.
Is Berlin 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 Wayne County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Berlin Township?
FEMA’s Community Rating System list shows no discount for Berlin Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Berlin Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (88%), and Berlin Township’s rate for it is higher than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Berlin Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Berlin 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.