Photo: Nyttend · Public domainFEMA expects less hazard damage per building in Cambridge Township than in 81% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cambridge Township gets an A− for hazard risk: lower expected damage per building than 81% of U.S. towns. Most of that expected damage is river and rain flooding (88%). Flood insurance has paid 1 claim here since 1980.
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 Cambridge 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
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 Cambridge Township’s grade
River and rain flooding is 88% of the building damage FEMA expects in Cambridge Township, and Cambridge Township’s rate of river and rain flooding damage is lower than 54% of U.S. census tracts. Winter storms add 1%, at a rate in the top 6% of U.S. census tracts.
A− lower expected damage per building than 81% of U.S. towns (21,298).
Cambridge Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $399K a year in losses across Cambridge Township: $354K to buildings, the rest to people and crops.
Does Cambridge Township flood? Rarely: 1 flood claim since 1980
Every paid claim on a federal flood insurance policy in Cambridge Township, from FEMA’s records: 1.6 per 1,000 homes, fewer than 68% of the 13,809 U.S. towns with a flood insurance record.
Cambridge 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: Crawford County.The storms Cambridge Township remembers
None of the 12 disasters declared for Crawford County shows FEMA aid or repair money reaching Cambridge Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19801 flood claims paidNo declaration for the county that year
Crawford 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.
Old photos of Cambridge Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cambridge Township archive →Cambridge Township and its neighbors
Cambridge 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 |
|---|---|---|---|
| Washington Township | Aless damage than 95% | river and rain flooding | 3 |
| LeBoeuf Township | Aless damage than 91% | river and rain flooding | — |
| Rockdale Township | A−less damage than 83% | river and rain flooding | 2 |
| Cambridge Township | A−less damage than 81% | river and rain flooding | 1 |
| Woodcock Township | B−more damage than 54% | river and rain flooding | 5 |
| Venango Township | — | 915 residents; we grade 1,000+ | |
| Venango | — | 199 residents; we grade 1,000+ | |
| Woodcock | — | 131 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 Cambridge 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.
- 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 Cambridge Township
Is Cambridge Township at risk for natural disasters?
On FEMA’s National Risk Index, Cambridge Township has lower expected damage per building than 81% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (88%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Cambridge Township flood?
Flood insurance has paid 1 claim in Cambridge Township since 1980, $164 in all, or 1.6 per 1,000 homes, fewer than 68% of U.S. towns with a flood insurance record.
Is Cambridge 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 Crawford County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Cambridge Township?
FEMA’s Community Rating System list shows no discount for Cambridge Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Cambridge Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (88%), and Cambridge Township’s rate for it is lower than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cambridge Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cambridge 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.