Photo: Skabat169 · CC BY-SA 3.0FEMA puts Boyertown’s expected hazard damage per building below that of 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Boyertown gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns, #296 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (72%), then hurricanes (12%). Flood insurance has paid 1 claim here since 2009.
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 Boyertown 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
Earthquakes
Tornadoes
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 Boyertown’s grade
River and rain flooding is 72% of the building damage FEMA expects in Boyertown, and Boyertown’s rate of river and rain flooding damage is lower than 74% of U.S. census tracts. Next is hurricanes at 12% (higher than 79% of U.S. census tracts).
A #296 of 1,037 in Pennsylvania; lower expected damage per building than 87% of U.S. towns (21,298).
All of Boyertown’s residents live in one census tract; the figures are that tract’s.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Boyertown has less expected damage per building than 72% of Pennsylvania towns.
In dollars, FEMA expects about $959K a year in losses across Boyertown: $694K to buildings, the rest to people and crops.
Does Boyertown flood? Rarely: 1 flood claim since 2009
Every paid claim on a federal flood insurance policy in Boyertown, from FEMA’s records: 0.5 per 1,000 homes, fewer than 90% of the 13,809 U.S. towns with a flood insurance record.
Boyertown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Berks County.2 federal disasters brought FEMA money to Boyertown
Disasters that paid out in Boyertown itself (aid to households or repair grants to the Borough of Boyertown), newest first, with that year’s flood claims.
- 2011Tropical Storm Lee11 households applied for aid$7K aid approved
- 2006Severe Storms, Flooding, and Mudslides2 households applied for aid$9K aid approved
Berks County has had 19 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 Boyertown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Boyertown archive →Boyertown and its neighbors
Boyertown has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Boyertown | Aless damage than 87% | river and rain flooding | 1 |
| Colebrookdale Township | A−less damage than 84% | river and rain flooding | 12 |
| New Berlinville | — | a Census area inside a town; graded with the town | |
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 Boyertown 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Boyertown
Is Boyertown at risk for natural disasters?
On FEMA’s National Risk Index, Boyertown has lower expected damage per building than 87% of U.S. towns: A for hazard risk, #296 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (72%) and hurricanes (12%). 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 Boyertown flood?
Flood insurance has paid 1 claim in Boyertown since 2009, $5K in all, or 0.5 per 1,000 homes, fewer than 90% of U.S. towns with a flood insurance record.
Is Boyertown 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 Berks County, 34% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Boyertown?
FEMA’s Community Rating System list shows no discount for Boyertown’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 Boyertown?
By FEMA money that reached Boyertown, Severe Storms, Flooding, and Mudslides (2006): 2 households applied for aid, $9K approved.
Is Boyertown at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Boyertown’s rate for it is lower than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Boyertown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Boyertown’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.