FEMA puts Conewago Township’s expected hazard damage per building below that of 85% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Conewago Township gets an A− for hazard risk: lower expected damage per building than 85% of U.S. towns, #333 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (75%), then hurricanes (14%). Flood insurance has paid 7 claims here since 1996.
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 Conewago 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.
What’s behind Conewago Township’s grade
River and rain flooding is 75% of the building damage FEMA expects in Conewago Township, and Conewago Township’s rate of river and rain flooding damage is lower than 70% of U.S. census tracts. Next is hurricanes at 14% (higher than 81% of U.S. census tracts).
A− #333 of 1,037 in Pennsylvania; lower expected damage per building than 85% of U.S. towns (21,298).
All of Conewago 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, Conewago Township has less expected damage per building than 68% of Pennsylvania towns.
In dollars, FEMA expects about $857K a year in losses across Conewago Township: $632K to buildings, the rest to people and crops.
Does Conewago Township flood? Rarely: 7 flood claims since 1996
Every paid claim on a federal flood insurance policy in Conewago Township, from FEMA’s records: 5.7 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan2 claims · $38K
- Tropical Storm Lee1 claim · $21K
Conewago 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: Dauphin County.The storms Conewago Township remembers
None of the 17 disasters declared for Dauphin County shows FEMA aid or repair money reaching Conewago Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19963 flood claims paidThe year of Severe Storms and Flooding, declared for Dauphin County
- 20042 flood claims paidThe year of Tropical Depression Ivan, declared for Dauphin County
- 20071 flood claims paidNo declaration for the county that year
Dauphin County has had 17 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Conewago Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Conewago Township archive →Conewago Township and its neighbors
Conewago Township has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Conewago Township | A−less damage than 85% | river and rain flooding | 7 |
| Derry Township | A−less damage than 80% | river and rain flooding | 181 |
| Mount Joy Township | B+less damage than 75% | river and rain flooding | 11 |
| South Londonderry Township | B+less damage than 68% | river and rain flooding | 12 |
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 Conewago 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 Conewago Township
Is Conewago Township at risk for natural disasters?
On FEMA’s National Risk Index, Conewago Township has lower expected damage per building than 85% of U.S. towns: A− for hazard risk, #333 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (75%) and hurricanes (14%). 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 Conewago Township flood?
Flood insurance has paid 7 claims in Conewago Township since 1996, $98K in all, or 5.7 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (2).
Is Conewago 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 Dauphin County, 26% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Conewago Township?
FEMA’s Community Rating System list shows no discount for Conewago 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 Conewago Township?
By flood claims, Tropical Storm Ivan: 2 paid, $38K.
Is Conewago Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Conewago Township’s rate for it is lower than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Conewago Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Conewago 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.