Photo: User:Ruhrfisch · CC BY-SA 3.0Storms, floods and disasters in Cogan House Township
Cogan House Township isn’t graded for hazard risk: Cogan House Township has 826 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1996.
What Cogan House 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 Cogan House Township flood? Rarely: 1 flood claim since 1996
Every paid claim on a federal flood insurance policy in Cogan House Township, from FEMA’s records.
Cogan House 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: Lycoming County.The storms Cogan House Township remembers
None of the 17 disasters declared for Lycoming County shows FEMA aid or repair money reaching Cogan House Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19961 flood claims paidThe year of Severe Storms and Flooding, declared for Lycoming County
Lycoming County has had 17 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 Cogan House Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cogan House Township archive →Cogan House 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 |
|---|---|---|---|
| Mifflin Township | C−more damage than 80% | river and rain flooding | 33 |
| Lycoming Township | Dmore damage than 87% | river and rain flooding | 237 |
| Pine Township | — | 293 residents; we grade 1,000+ | |
| Lewis Township | — | 988 residents; we grade 1,000+ | |
| Cummings Township | — | 238 residents; we grade 1,000+ | |
| Jackson Township | — | 403 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 Cogan House 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 Cogan House Township
Does Cogan House Township flood?
Flood insurance has paid 1 claim in Cogan House Township since 1996, $1K in all.
Is Cogan House 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 Lycoming County, 16% of homes in mapped flood zones carry federal flood insurance, and 1.7% of all homes do.
How much is flood insurance in Cogan House Township?
FEMA’s Community Rating System list shows no discount for Cogan House 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 Cogan House Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cogan House 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.