Eisenhower National Historic Site · Photo: Jack E. Boucher · Public domainLess hazard damage per building is expected in Cumberland Township than in 77% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cumberland Township gets an A− for hazard risk: lower expected damage per building than 77% of U.S. towns, #438 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (75%), then hurricanes (13%). Flood insurance has paid 28 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 stands out about Cumberland Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
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
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 Cumberland Township’s grade
River and rain flooding is 75% of the building damage FEMA expects in Cumberland Township, and Cumberland Township’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Next is hurricanes at 13% (higher than 81% of U.S. census tracts).
A− #438 of 1,037 in Pennsylvania; lower expected damage per building than 77% 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 less expected damage per building than 58% of Pennsylvania towns.
In dollars, FEMA expects about $2.4M a year in losses across Cumberland Township: $1.9M to buildings, the rest to people and crops.
Does Cumberland Township flood? Sometimes: 28 flood claims since 1978
Every paid claim on a federal flood insurance policy in Cumberland Township, from FEMA’s records: 9.1 per 1,000 homes, more than 72% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee1 claim · $8K
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: Adams County.The storms Cumberland Township remembers
None of the 16 disasters declared for Adams County shows FEMA aid or repair money reaching Cumberland Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 199613 flood claims paidThe year of Flooding, Severe Storms, declared for Adams County
- 20117 flood claims paidThe year of Tropical Storm Lee, declared for Adams County
- 19782 flood claims paidNo declaration for the county that year
Adams County has had 16 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 Cumberland Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cumberland Township archive →Cumberland Township and its neighbors
Cumberland Township is 4th of the 7 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 |
|---|---|---|---|
| Gettysburg | A+less damage than 97% | river and rain flooding | 35 |
| Straban Township | Aless damage than 92% | river and rain flooding | 2 |
| Butler Township | A−less damage than 84% | river and rain flooding | 5 |
| Cumberland Township | A−less damage than 77% | river and rain flooding | 28 |
| Mount Joy Township | Bless damage than 63% | river and rain flooding | 2 |
| Franklin Township | Bless damage than 63% | river and rain flooding | 12 |
| Highland Township | B−less damage than 52% | river and rain flooding | 2 |
| Freedom 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 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.
- 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 Cumberland Township
Is Cumberland Township at risk for natural disasters?
On FEMA’s National Risk Index, Cumberland Township has lower expected damage per building than 77% of U.S. towns: A− for hazard risk, #438 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (75%) and hurricanes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Cumberland Township flood?
Flood insurance has paid 28 claims in Cumberland Township since 1978, $1.7M in all, or 9.1 per 1,000 homes, more than 72% of U.S. towns with a flood insurance record. 4 properties have flooded more than once. The most claims came from Tropical Storm Lee (1).
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 Adams County, 25% 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.
What was the biggest storm in Cumberland Township?
By flood claims, Tropical Storm Lee: 1 paid, $8K.
Is Cumberland Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Cumberland Township’s rate for it is lower than 62% 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.