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Unger House (11662683683)Photo: David Brossard · CC BY-SA 2.0
BHazard risk
Natural hazards in Croyle Township · FEMA

FEMA expects less hazard damage per building in Croyle Township than in 63% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Croyle Township gets a B for hazard risk: lower expected damage per building than 63% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 2 claims here since 1981.

River and rain flooding 92%Tornadoes 3%Hurricanes 3%

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

less than 63%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B
in Pennsylvania · lower than 63% of U.S. towns
Main hazard
River and rain flooding
92% of expected building damage
Flood claims
2
paid since 1981 · $1K
Flood claims per home
2 per 1,000
fewer than 64% of U.S. towns
By hazard

What Croyle 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

92%of expected building damage
Above average · higher than 64% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Tornadoes Hurricanes Hail Earthquakes Strong wind Wildfire Ice storms Winter storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Croyle Township’s grade

River and rain flooding is 92% of the building damage FEMA expects in Croyle Township, and Croyle Township’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts.

Where Croyle Township sits
Croyle Township
Least damageMiddleMost damage

B lower expected damage per building than 63% of U.S. towns (21,298).

All of Croyle Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding92%Tornadoes3%Everything else5%

In dollars, FEMA expects about $696K a year in losses across Croyle Township: $612K to buildings, the rest to people and crops.

Shared tract.All of Croyle Township’s 2,307 residents (2020 census) live in one census tract, which it shares with South Fork borough (954 residents) and Summerhill borough (479 residents) and Ehrenfeld borough (203 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Croyle Township flood? Rarely: 2 flood claims since 1981

Every paid claim on a federal flood insurance policy in Croyle Township, from FEMA’s records: 1.9 per 1,000 homes, fewer than 64% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1981: 1 claim1982: 0 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 1 claim1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims19811987
19812026
2
paid claims since 1981
$1K
paid to owners
0
homes flooded more than once
$516
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Croyle 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: Cambria County.
Disasters

The storms Croyle Township remembers

None of the 15 disasters declared for Cambria County shows FEMA aid or repair money reaching Croyle Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 19811 flood claims paidNo declaration for the county that year
  2. 19871 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in Croyle TownshipCambria County only

Cambria County has had 15 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.

Were you here?

Old photos of Croyle Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Croyle Township archive →
Next door

Croyle Township and its neighbors

Croyle Township is 5th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Adams Township: hazard risk B+Ehrenfeld: not gradedSidman: not gradedSt. Michael: not gradedSummerhill: not gradedSouth Fork: not gradedSummerhill Township: hazard risk B+East Taylor Township: hazard risk A−Jackson Township: hazard risk A+Beaverdale: not gradedAdams TownshipEhrenfeldSidmanSt. MichaelSummerhillSouth ForkSummerhill TownshipEast Taylor TownshipJackson TownshipBeaverdaleCroyle Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Jackson TownshipA+among the lowest damageriver and rain flooding3
East Taylor TownshipA−less damage than 81%river and rain flooding7
Adams TownshipB+less damage than 71%river and rain flooding13
Summerhill TownshipB+less damage than 66%river and rain flooding1
Croyle TownshipBless damage than 63%river and rain flooding2
Ehrenfeld—165 residents; we grade 1,000+
Sidman—305 residents; we grade 1,000+
St. Michael—431 residents; we grade 1,000+
Summerhill—523 residents; we grade 1,000+
South Fork—749 residents; we grade 1,000+
Beaverdale—852 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.

Be ready

Get ready for what Croyle 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.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Croyle Township

Is Croyle Township at risk for natural disasters?

On FEMA’s National Risk Index, Croyle Township has lower expected damage per building than 63% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (92%). 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 Croyle Township flood?

Flood insurance has paid 2 claims in Croyle Township since 1981, $1K in all, or 1.9 per 1,000 homes, fewer than 64% of U.S. towns with a flood insurance record.

Is Croyle 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 Cambria County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Croyle Township?

FEMA’s Community Rating System list shows no discount for Croyle Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Croyle Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (92%), and Croyle Township’s rate for it is higher than 64% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Croyle Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Croyle 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.