Photo: Jack · CC BY-SA 2.0FEMA puts Centre Township’s expected hazard damage per building below that of 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Centre Township gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns, #633 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 11 claims here since 1979.
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 Centre 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 Centre Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Centre Township, and Centre Township’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Next is hurricanes at 8% (higher than 78% of U.S. census tracts).
B #633 of 1,037 in Pennsylvania; lower expected damage per building than 62% of U.S. towns (21,298).
All of Centre 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, Centre Township has more expected damage per building than 61% of Pennsylvania towns.
In dollars, FEMA expects about $1.3M a year in losses across Centre Township: $824K to buildings, the rest to people and crops.
Does Centre Township flood? Sometimes: 11 flood claims since 1979
Every paid claim on a federal flood insurance policy in Centre Township, from FEMA’s records: 6.6 per 1,000 homes, more than 66% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee1 claim · $5K
Centre 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 Centre Township remembers
None of the 19 disasters declared for Berks County shows FEMA aid or repair money reaching Centre Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20062 flood claims paidThe year of Severe Storms, Flooding, and Mudslides, declared for Berks County
- 20102 flood claims paidNo declaration for the county that year
- 19791 flood claims paidNo declaration for the county that year
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 Centre Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Centre Township archive →Centre Township and its neighbors
Centre Township is 8th of the 9 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 |
|---|---|---|---|
| Bern Township | Aless damage than 86% | river and rain flooding | 15 |
| Upper Bern Township | A−less damage than 83% | river and rain flooding | 2 |
| Tilden Township | A−less damage than 83% | river and rain flooding | 6 |
| Penn Township | B+less damage than 69% | river and rain flooding | — |
| Perry Township | B+less damage than 69% | river and rain flooding | 44 |
| Shoemakersville | B+less damage than 69% | river and rain flooding | 14 |
| Ontelaunee Township | B+less damage than 68% | river and rain flooding | 37 |
| Centre Township | Bless damage than 62% | river and rain flooding | 11 |
| Leesport | C+more damage than 63% | river and rain flooding | 16 |
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 Centre 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 Centre Township
Is Centre Township at risk for natural disasters?
On FEMA’s National Risk Index, Centre Township has lower expected damage per building than 62% of U.S. towns: B for hazard risk, #633 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (82%) and hurricanes (8%). 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 Centre Township flood?
Flood insurance has paid 11 claims in Centre Township since 1979, $55K in all, or 6.6 per 1,000 homes, more than 66% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Tropical Storm Lee (1).
Is Centre 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 Centre Township?
FEMA’s Community Rating System list shows no discount for Centre 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 Centre Township?
By flood claims, Tropical Storm Lee: 1 paid, $5K.
Is Centre Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Centre Township’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Centre Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Centre 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.