Photo: Nyttend · Public domainFEMA expects more hazard damage per building in Cumberland Township than in 63% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cumberland Township gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns, #860 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (92%). FEMA’s files show no paid flood insurance claims here.
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 Cumberland 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 Cumberland Township’s grade
River and rain flooding is 92% of the building damage FEMA expects in Cumberland Township, and Cumberland Township’s rate of river and rain flooding damage is higher than 80% of U.S. census tracts.
C+ #860 of 1,037 in Pennsylvania; higher expected damage per building than 63% of U.S. towns (21,298).
Cumberland Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Cumberland Township has more expected damage per building than 83% of Pennsylvania towns.
In dollars, FEMA expects about $2.4M a year in losses across Cumberland Township: $2.1M to buildings, the rest to people and crops.
Does Cumberland Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cumberland Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Cumberland 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: Greene County.The storms Cumberland Township remembers
None of the 12 disasters declared for Greene County shows FEMA aid or repair money reaching Cumberland Township itself in FEMA’s records, so these are its biggest flood-claim years.
Greene County has had 12 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.
Cumberland Township and its neighbors
Cumberland Township is 2nd of the 5 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 |
|---|---|---|---|
| German Township | C+more damage than 62% | river and rain flooding | 7 |
| Cumberland Township | C+more damage than 63% | river and rain flooding | 0 |
| Jefferson Township | Cmore damage than 66% | river and rain flooding | 7 |
| Luzerne Township | C−more damage than 77% | river and rain flooding | 21 |
| Monongahela Township | C−more damage than 83% | river and rain flooding | 1 |
| Greene Township | — | 539 residents; we grade 1,000+ | |
| Dry Tavern | — | 581 residents; we grade 1,000+ | |
| Nemacolin | — | a Census area inside a town; graded with the town | |
| Ronco | — | 10 residents; we grade 1,000+ | |
| Crucible | — | 352 residents; we grade 1,000+ | |
| Rices Landing | — | 515 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 Cumberland 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 Cumberland Township
Is Cumberland Township at risk for natural disasters?
On FEMA’s National Risk Index, Cumberland Township has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk, #860 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Cumberland 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 Greene County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Cumberland Township?
FEMA’s Community Rating System list shows no discount for Cumberland Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Cumberland Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Cumberland Township’s rate for it is higher than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cumberland Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cumberland 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.