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District Township farmPhoto: Coemgenus · CC BY-SA 4.0
A−Hazard risk
Natural hazards in District Township · FEMA

FEMA puts District Township’s expected hazard damage per building below that of 83% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, District Township gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (78%), then hurricanes (11%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 78%Hurricanes 11%Tornadoes 6%

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 83%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in Pennsylvania · lower than 83% of U.S. towns
Main hazard
River and rain flooding
78% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 19 declared for Berks County

What stands out about District Township’s natural hazards

From FEMA’s model and FEMA’s records, below.

Lower expected damage than 83% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Landslides: the top 3% of U.S. tractsFEMA’s building-damage rate for landslides here ranks in the top 3% of U.S. census tracts; it is 0.4% of the damage it expects.
By hazard

What District 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

78%of expected building damage
Below average · lower than 65% of U.S. census tracts
Recorded about 5 times a year in the area

Hurricanes

11%of expected building damage
Above average · higher than 78% of U.S. census tracts
Recorded about once every 17 years in the area

Tornadoes

6%of expected building damage
About average · higher than 52% of U.S. census tracts
Smaller shares here
 Earthquakes Strong wind Winter storms Landslides top 3% Hail Ice storms Lightning Wildfire Cold waves Heat waves
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 District Township’s grade

River and rain flooding is 78% of the building damage FEMA expects in District Township, and District Township’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Next is hurricanes at 11% (higher than 78% of U.S. census tracts).

Where District Township sits
District Township
Least damageMiddleMost damage

A− lower expected damage per building than 83% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding78%Hurricanes11%Tornadoes6%Everything else6%

In dollars, FEMA expects about $397K a year in losses across District Township: $267K to buildings, the rest to people and crops.

Shared tract.All of District Township’s 1,378 residents (2020 census) live in one census tract, which it shares with Pike township (1,595 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 District Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in District Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

District 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: Berks County.
Disasters

The storms District Township remembers

None of the 19 disasters declared for Berks County shows FEMA aid or repair money reaching District Township itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in District TownshipBerks County only

Berks County has had 19 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Next door

District Township and its neighbors

District Township is 3rd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Hereford Township: hazard risk BPike Township: hazard risk A−Longswamp Township: hazard risk A−Rockland Township: hazard risk AHereford TownshipPike TownshipLongswamp TownshipRockland TownshipDistrict Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Rockland TownshipAless damage than 92%river and rain flooding7
Pike TownshipA−less damage than 83%river and rain flooding8
District TownshipA−less damage than 83%river and rain flooding0
Longswamp TownshipA−less damage than 80%river and rain flooding1
Hereford TownshipBless damage than 56%river and rain flooding1

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 District 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 ↗
Hurricane season
  • 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.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
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 District Township

Is District Township at risk for natural disasters?

On FEMA’s National Risk Index, District Township has lower expected damage per building than 83% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (78%) and hurricanes (11%). 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.

Is District 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 Berks County, 34% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in District Township?

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

Is District Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (78%), and District Township’s rate for it is lower than 65% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in District Township.

Town Square →
Start the conversation

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