Photo: User:Dincher · CC BY-SA 3.0Storms, floods and disasters in Deerfield Township
Deerfield Township isn’t graded for hazard risk: Deerfield Township has 567 residents; we grade towns of 1,000 or more. Flood insurance has paid 11 claims here since 2018.
What Deerfield 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.
Does Deerfield Township flood? Sometimes: 11 flood claims since 2018
Every paid claim on a federal flood insurance policy in Deerfield Township, from FEMA’s records.
- Hurricane Debby5 claims · $82K
Deerfield 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: Tioga County.The storms Deerfield Township remembers
None of the 16 disasters declared for Tioga County shows FEMA aid or repair money reaching Deerfield Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20215 flood claims paidNo declaration for the county that year
- 20245 flood claims paidThe year of Tropical Storm Debby, declared for Tioga County
- 20181 flood claims paidThe year of Severe Storms and Flooding, declared for Tioga County
Tioga County has had 16 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Deerfield Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Deerfield Township archive →Deerfield Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Osceola Township | — | 742 residents; we grade 1,000+ | |
| Brookfield Township | — | 384 residents; we grade 1,000+ | |
| Chatham Township | — | 604 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 Deerfield 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 Deerfield Township
Does Deerfield Township flood?
Flood insurance has paid 11 claims in Deerfield Township since 2018, $244K in all. 4 properties have flooded more than once. The most claims came from Hurricane Debby (5).
Is Deerfield 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 Tioga County, 22% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
How much is flood insurance in Deerfield Township?
FEMA’s Community Rating System list shows no discount for Deerfield 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 Deerfield Township?
By flood claims, Hurricane Debby: 5 paid, $82K.
Storm stories
Memories, warnings and help from neighbors in Deerfield Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Deerfield 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.