Photo: JERRYE & ROY KLOTZ MD · CC BY-SA 3.0More hazard damage per building is expected in Cromwell Township than in 81% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cromwell Township gets a C− for hazard risk: higher expected damage per building than 81% of U.S. towns. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 11 claims here since 1978.
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 Cromwell 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 Cromwell Township’s grade
River and rain flooding is 94% of the building damage FEMA expects in Cromwell Township, and Cromwell Township’s rate of river and rain flooding damage is in the top 9% of U.S. census tracts.
C− higher expected damage per building than 81% of U.S. towns (21,298).
All of Cromwell Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $639K a year in losses across Cromwell Township: $490K to buildings, the rest to people and crops.
Does Cromwell Township flood? Sometimes: 11 flood claims since 1978
Every paid claim on a federal flood insurance policy in Cromwell Township, from FEMA’s records: 14.9 per 1,000 homes, more than 80% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan3 claims · $169K
- Tropical Storm Lee1 claim · $9K
Cromwell 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: Huntingdon County.The storms Cromwell Township remembers
None of the 13 disasters declared for Huntingdon County shows FEMA aid or repair money reaching Cromwell Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19965 flood claims paidThe year of Flooding Associated with Tropical Depression Fran, declared for Huntingdon County
- 20043 flood claims paidThe year of Tropical Depression Ivan, declared for Huntingdon County
- 19781 flood claims paidNo declaration for the county that year
Huntingdon County has had 13 natural disasters declared by the President since 1953, most often floods, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Cromwell Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cromwell Township archive →Cromwell Township and its neighbors
Cromwell Township is 4th of the 4 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 |
|---|---|---|---|
| Dublin Township | B−more damage than 52% | river and rain flooding | 1 |
| Cass Township | C−more damage than 76% | river and rain flooding | 6 |
| Shirley Township | C−more damage than 78% | river and rain flooding | 41 |
| Cromwell Township | C−more damage than 81% | river and rain flooding | 11 |
| Tell Township | — | 551 residents; we grade 1,000+ | |
| Springfield Township | — | 594 residents; we grade 1,000+ | |
| Clay Township | — | not graded yet | |
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 Cromwell 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 Cromwell Township
Is Cromwell Township at risk for natural disasters?
On FEMA’s National Risk Index, Cromwell Township has higher expected damage per building than 81% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (94%). 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 Cromwell Township flood?
Flood insurance has paid 11 claims in Cromwell Township since 1978, $200K in all, or 14.9 per 1,000 homes, more than 80% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Tropical Storm Ivan (3).
Is Cromwell 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 Huntingdon County, 17% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
How much is flood insurance in Cromwell Township?
FEMA’s Community Rating System list shows no discount for Cromwell 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 Cromwell Township?
By flood claims, Tropical Storm Ivan: 3 paid, $169K.
Is Cromwell Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Cromwell Township’s rate for it is in the top 9% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cromwell Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cromwell 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.