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 Caernarvon Township
Caernarvon Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Caernarvon Township yet. Flood insurance has paid 7 claims here since 1987.
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
Tornadoes
Earthquakes
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 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.
- 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: Berks County.The storms Caernarvon Township remembers
None of the 19 disasters declared for Berks 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 Berks County
- 19871 flood claims paidNo declaration for the county that year
- 20031 flood claims paidThe year of Snow, declared for Berks County
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 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
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| West Nantmeal Township | A+less damage than 96% | river and rain flooding | 1 |
| Honey Brook Township | Aless damage than 94% | river and rain flooding | 1 |
| Brecknock Township | A−less damage than 83% | river and rain flooding | 14 |
| Robeson Township | A−less damage than 76% | river and rain flooding | 39 |
| Caernarvon Township | B−more damage than 51% | river and rain flooding | 7 |
| New Morgan | — | 75 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 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.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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
Does Caernarvon Township flood?
Flood insurance has paid 7 claims in Caernarvon Township since 1987, $52K in all. 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 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 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.
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.