Photo: S>MacMillen · Public domainStorms, floods and disasters in Ceres Township
Ceres Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Ceres Township yet. Flood insurance has paid 4 claims here since 1996.
What Ceres 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.
Does Ceres Township flood? Rarely: 4 flood claims since 1996
Every paid claim on a federal flood insurance policy in Ceres Township, from FEMA’s records.
Ceres 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: McKean County.The storms Ceres Township remembers
None of the 10 disasters declared for McKean County shows FEMA aid or repair money reaching Ceres Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19962 flood claims paidThe year of Severe Storms and Flooding, declared for McKean County
- 20041 flood claims paidThe year of Tropical Depression Ivan, declared for McKean County
- 20071 flood claims paidNo declaration for the county that year
McKean County has had 10 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 Ceres Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ceres Township archive →Ceres 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 |
|---|---|---|---|
| Eldred Township | C+more damage than 56% | river and rain flooding | 14 |
| Liberty Township | Cmore damage than 68% | river and rain flooding | 1 |
| Annin Township | — | 679 residents; we grade 1,000+ | |
| Sharon Township | — | 704 residents; we grade 1,000+ | |
| Pleasant Valley Township | — | 116 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 Ceres 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 Ceres Township
Does Ceres Township flood?
Flood insurance has paid 4 claims in Ceres Township since 1996, $26K in all.
Is Ceres 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 McKean County, 16% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.
How much is flood insurance in Ceres Township?
FEMA’s Community Rating System list shows no discount for Ceres Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Ceres Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ceres 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.