Photo: Generic1139 · CC BY-SA 3.0FEMA puts Cook Township’s expected hazard damage per building below that of 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cook Township gets an A for hazard risk: lower expected damage per building than 89% of U.S. towns. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 14 claims here since 1985.
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 stands out about Cook Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Cook 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.
What’s behind Cook Township’s grade
River and rain flooding is 93% of the building damage FEMA expects in Cook Township, and Cook Township’s rate of river and rain flooding damage is lower than 59% of U.S. census tracts.
A lower expected damage per building than 89% of U.S. towns (21,298).
All of Cook Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $594K a year in losses across Cook Township: $558K to buildings, the rest to people and crops.
Does Cook Township flood? Sometimes: 14 flood claims since 1985
Every paid claim on a federal flood insurance policy in Cook Township, from FEMA’s records: 12.4 per 1,000 homes, more than 77% of the 13,809 U.S. towns with a flood insurance record.
Cook 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: Westmoreland County.The storms Cook Township remembers
None of the 17 disasters declared for Westmoreland County shows FEMA aid or repair money reaching Cook Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20136 flood claims paidNo declaration for the county that year
- 20152 flood claims paidNo declaration for the county that year
- 20182 flood claims paidNo declaration for the county that year
Westmoreland 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 Cook Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cook Township archive →Cook Township and its neighbors
Cook Township is 5th 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 |
|---|---|---|---|
| Unity Township | A+less damage than 98% | river and rain flooding | 89 |
| Jefferson Township | Aless damage than 94% | river and rain flooding | 5 |
| Lincoln Township | Aless damage than 94% | river and rain flooding | 4 |
| Donegal Township | Aless damage than 89% | river and rain flooding | 14 |
| Cook Township | Aless damage than 89% | river and rain flooding | 14 |
| Ligonier Township | C+more damage than 60% | river and rain flooding | 203 |
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 Cook 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 Cook Township
Is Cook Township at risk for natural disasters?
On FEMA’s National Risk Index, Cook Township has lower expected damage per building than 89% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (93%). 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 Cook Township flood?
Flood insurance has paid 14 claims in Cook Township since 1985, $111K in all, or 12.4 per 1,000 homes, more than 77% of U.S. towns with a flood insurance record. 3 properties have flooded more than once.
Is Cook 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 Westmoreland County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Cook Township?
FEMA’s Community Rating System list shows no discount for Cook Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Cook Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Cook Township’s rate for it is lower than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cook Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cook 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.