Ann Cunningham Evans House · Photo: Smallbones · CC BY-SA 3.0On FEMA’s figures, Caernarvon Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Caernarvon Township gets a B− for hazard risk: higher expected damage per building than 51% of U.S. towns, #768 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (82%), then hurricanes (12%). Flood insurance has paid 7 claims here since 1987.
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 Caernarvon 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 Caernarvon Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Caernarvon Township, and Caernarvon Township’s rate of river and rain flooding damage is higher than 68% of U.S. census tracts. Next is hurricanes at 12% (higher than 82% of U.S. census tracts).
B− #768 of 1,037 in Pennsylvania; higher expected damage per building than 51% of U.S. towns (21,298).
All of Caernarvon Township’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, Caernarvon Township has more expected damage per building than 74% of Pennsylvania towns.
In dollars, FEMA expects about $1.6M a year in losses across Caernarvon Township: $1.2M to buildings, the rest to people and crops.
Does Caernarvon Township flood? Rarely: 7 flood claims since 1987
Every paid claim on a federal flood insurance policy in Caernarvon Township, from FEMA’s records: 5.1 per 1,000 homes, more than 60% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene1 claim · $5K
Caernarvon 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: Lancaster County.The storms Caernarvon Township remembers
None of the 18 disasters declared for Lancaster County shows FEMA aid or repair money reaching Caernarvon Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20042 flood claims paidThe year of Tropical Depression Ivan, declared for Lancaster County
- 19871 flood claims paidNo declaration for the county that year
- 20031 flood claims paidThe year of Snow, declared for Lancaster County
Lancaster County has had 18 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 Caernarvon Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Caernarvon Township archive →Caernarvon Township and its neighbors
Caernarvon Township is 4th of the 5 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 |
|---|---|---|---|
| Honey Brook Township | Aless damage than 94% | river and rain flooding | 1 |
| East Earl Township | A−less damage than 75% | river and rain flooding | 1 |
| Salisbury Township | Bless damage than 55% | river and rain flooding | 1 |
| Caernarvon Township | B−more damage than 51% | river and rain flooding | 7 |
| Brecknock Township | C+more damage than 65% | river and rain flooding | 10 |
| Caernarvon Township | — | 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 Caernarvon 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 Caernarvon Township
Is Caernarvon Township at risk for natural disasters?
On FEMA’s National Risk Index, Caernarvon Township has higher expected damage per building than 51% of U.S. towns: B− for hazard risk, #768 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (82%) 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 Caernarvon Township flood?
Flood insurance has paid 7 claims in Caernarvon Township since 1987, $52K in all, or 5.1 per 1,000 homes, more than 60% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Irene (1).
Is Caernarvon 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 Lancaster County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Caernarvon Township?
FEMA’s Community Rating System list shows no discount for Caernarvon 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 Caernarvon Township?
By flood claims, Hurricane Irene: 1 paid, $5K.
Is Caernarvon Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Caernarvon Township’s rate for it is higher than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Caernarvon Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Caernarvon 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.