Photo: Doug Kerr · CC BY-SA 2.0FEMA expects about as much hazard damage per building in Conoy Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Conoy Township gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns, #679 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (81%), then hurricanes (13%). Flood insurance has paid 13 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 Conoy 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 Conoy Township’s grade
River and rain flooding is 81% of the building damage FEMA expects in Conoy Township, and Conoy Township’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Next is hurricanes at 13% (higher than 82% of U.S. census tracts).
B #679 of 1,037 in Pennsylvania; lower expected damage per building than 58% of U.S. towns (21,298).
All of Conoy 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, Conoy Township has more expected damage per building than 65% of Pennsylvania towns.
In dollars, FEMA expects about $1.1M a year in losses across Conoy Township: $770K to buildings, the rest to people and crops.
Does Conoy Township flood? Sometimes: 13 flood claims since 1996
Every paid claim on a federal flood insurance policy in Conoy Township, from FEMA’s records: 9.4 per 1,000 homes, more than 73% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee8 claims · $200K
- Tropical Storm Ivan3 claims · $41K
Conoy 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: Lancaster County.The storms Conoy Township remembers
None of the 18 disasters declared for Lancaster County shows FEMA aid or repair money reaching Conoy Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20118 flood claims paidThe year of Tropical Storm Lee, declared for Lancaster County
- 20043 flood claims paidThe year of Tropical Depression Ivan, declared for Lancaster County
- 19962 flood claims paidThe year of Severe Storms and Flooding, declared for Lancaster County
Lancaster County has had 18 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 Conoy Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Conoy Township archive →Conoy Township and its neighbors
Conoy Township is 4th of the 6 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 |
|---|---|---|---|
| East Manchester Township | Aless damage than 85% | river and rain flooding | 20 |
| West Donegal Township | A−less damage than 78% | river and rain flooding | 2 |
| East Donegal Township | B+less damage than 68% | river and rain flooding | 23 |
| Conoy Township | Bless damage than 58% | river and rain flooding | 13 |
| Hellam Township | B−less damage than 52% | river and rain flooding | 111 |
| Londonderry Township | B−more damage than 55% | river and rain flooding | 224 |
| Saginaw | — | 553 residents; we grade 1,000+ | |
| Falmouth | — | 521 residents; we grade 1,000+ | |
| York Haven | — | 732 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 Conoy 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 Conoy Township
Is Conoy Township at risk for natural disasters?
On FEMA’s National Risk Index, Conoy Township has lower expected damage per building than 58% of U.S. towns: B for hazard risk, #679 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (81%) and hurricanes (13%). 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 Conoy Township flood?
Flood insurance has paid 13 claims in Conoy Township since 1996, $258K in all, or 9.4 per 1,000 homes, more than 73% of U.S. towns with a flood insurance record. 3 properties have flooded more than once. The most claims came from Tropical Storm Lee (8).
Is Conoy 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 Lancaster County, 27% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Conoy Township?
FEMA’s Community Rating System list shows no discount for Conoy 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 Conoy Township?
By flood claims, Tropical Storm Lee: 8 paid, $200K.
Is Conoy Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Conoy Township’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Conoy Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Conoy 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.